I know this answer is a bit late in coming, and may no longer be useful, but you provided the requested information, (thank you) so I'll give it a try. Here is what I would do:
I would put a comma after 'and', because the verb has a new subject.
I would not put a comma before 'too' in final position in this sentence.
You are correct about placing the comma before 'and'. That was a slip on my part.
As for your second question, I can't say what most people would do. I would miss it.
The University of Sussex Guide to Punctuation by Larry Trask, refers to this as a 'joining comma'. He doesn't mention any exceptions to its use. However, that doesn't answer your question about actual use.