I am unsure whether to go for a personal hearing or not?
NEVER, ever, opt for a decision on papers. Always for a personal hearing (telephone or face-to-face). The appellany can then answer any questions from the Adjudicator and make any points he needs to raise.
Begin your wording with something like
I rely on my earlier representations and this summary...then end with something like
There may well be further points I wish to make in response to the authority's Evidence Pack...and not make it seem that I had researched things
I suspect most adjudicators would have expected most appellants to research things.
If you cannot submit online, the post 1st class at any post office and get a (free) proof of posting.
Keep a hard copy of the completed appeal form.