currently this adds 1 query per area anywhere where an award occurs. for example, during posting is 1 extra query, profile viewing is 1 query, new thread 1, etc. nowehere however is it multiplied by say posts, so always the barest minimum, which actually affects your second question...
right now there is no general log for regular earning in order to track that sort of thing. at the very least it would double the query requirements as it would also be inserting into the log. i am looking at this for the next major version of vbcredits after 1.4, as it would solve many issues and add in some functionality many of you have wanted. just weighing the pros and cons.
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