Conditions & Fundamentals of Hajj and Umrah

Woman wearing a normal niqaab and gloves in the state of ihraam

Q: I am a woman who has always performed Umrah wearing a hat and covering my face. Recently, when I was about to perform Umrah, my sister-in-law insisted that I could wear my niqab directly without the hat, as I would only be wearing it for a few hours, and damm would not be waajib upon me. However, I disagreed with her because I felt that this would compromise the essence of Umrah. 

I believe wearing the niqaab in such a manner involves intentional contact of cloth with the face, which contradicts the principles of ihraam. The allowance for unintentional contact exists, but wearing the niqaab directly seems to me like a deliberate act, done only to avoid the inconvenience of using a hat. 

Please clarify my doubt: 

1. Can I intentionally wear the niqaab directly without a hat and perform Umrah? 

2. Can I wear gloves during Umrah as many Saudi women point out during Umrah that it's haraam?

Wearing underwear in the state of ihraam due to urine incontinence

Q: My father has a small problem with old age and urine drops. He says straight after he goes to the toilet, about 5 or 10 mins after, he has some trouble with few drops. Then it subsides. 

He usually uses tissue with his underwear for a few minutes after going to the bathroom in case any drops come out and then discards it a short while later. 

He's concerned with ihraam and how would he manage. 

What would be suggested? Is there an option to wear underwear and pay damm? Or is there any alternative.

Should one purchase a car or save up for Hajj?

Q: I sold my car two years ago. 

I have saved money. 

After looking at the price of second hand cars and the age of vehicles available, I took mashwara from a senior aalim and decided to take a loan for one year and buy a new car. The car is not cheap but cars are quite costly. So it's the second from an entry level. 

I intend purchasing the car in the next few weeks. 

I then went onto the hajj portal and it showed my name will come for the next hajj. When I had checked in July and I contacted sahuc, they said two years. 

I would like to know, am I not allowed to buy the car because I will be in debt and in no position to go for hajj when the time of hajj dawns. I will be paying the car till the end of 2025. 

The second issue is I am using the car from work and my boss is not a stable person so I fear that he's going to make an issue of me using the work car for such a long period 

I have also had an option to get the car slightly cheaper but there was a waiting period so because of my boss I decided let me rather buy it now.