You must remember that you are reading an interpretation of the Qur'an, whose original language is Arabic. When reading it in another language, inevitably some of the finer points in understanding can be lost. Not only this, but in order to study the meanings of the Qur'an at a deeper level, there are various pre-requisites required such as knowledge of the Arabic language, knowledge of the Sunnah and other things, which lay people typically do not possess. [The Sunnah is the teachings of the Prophet :saws: which provide further details regarding the Qur'an, so it is indispensable when it comes to studying details of Islamic law, as many of your questions relate to]. So although the basic message of the Qur'an is easily understandable, once you wish to know what rulings can be derived from certain verses, you need to consult scholars, not people on a forum. If there is a Mosque in your area, perhaps the Imam there can offer some help. The questions that you are posing here are basically an interpretation of an interpretation, and clearly this will result in misunderstanding. When a Muslim studies the rulings on divorce and pregnancy, they won't pick up a translation of the Qur'an and make their own conclusion. They will learn from a teacher who will give them the full picture based on the relevant verses in the Qur'an as well as the teachings of the Prophet :saws:, and explain how these are to be understood. Those who wish to study Islamic law in a formal way will spend a considerable number of years becoming grounded in the essential Islamic sciences. I hope it becomes clear now why it is important to consult a knowledgeble person rather than a forum.
As an example, in the verse you quoted above, you have taken the word 'if' to mean a condition for the preceding clause. Even if we stick to a superficial understanding within the english language, the statement can be understood differently. So exactly which meaning is intended is clarified by going back to the Arabic language and understanding the other tools for Qur'anic exegesis. Here is what it says in one of the commentaries:
(...if they believe in Allah and the Last Day.)
This Ayah warns women against hiding the truth (if they were pregnant or on their menses), indicating that they are the authority in such matters as they alone know such facts about themselves. Since verifying such matters is difficult, Allah left this decision with them. Yet, women were warned not to hide the truth in case they wish to end the `Iddah sooner, or later, according to their desires. Women were thus commanded to say the truth (if they were pregnant or on their menses), no more and no less.
And for a fuller understanding, it's best to consult the Muslim scholars.