Even thou the boiler has an internal by pass,its good practise to fit one externally,especially if the rads have TRV's fitted.
I was under the impression that the internal bypass is designed to give the minimum required flow rate through the heat ex, why would it also need an external one? Just go for a 3 port valve and you'll never have a closed port to worry about. Especially if you have towel rails open all the time too.
A dedicated return for the hot water is to prevent reverse circulation. If the cylinder return has to go past the return leg of any radiators there's a good chance it'll gravitate up and heat up the rad. You'll know if that happens because the return side of the rad heats up, not the flow. Just make sure the cylinder return is the last one before the boiler.