Body fluids do not transmit HPV.
Both skin-to-skin and body fluid contact would result in transmission of the virus. And yes, they're area specific. There're over 100 different strains of HPV but the one that causes warts on say hands isn't the same as the one that causes genital warts. So meaning that the ones on your hands won't gives you genital warts. But it's important to practice good hand hygiene.
No not specifically... some ppl don't even show warts, if you have an active infection if is transferred via skin to skin contact... HPV also sheds and can be transmitted through scratching.