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How does damage outside of combat work in Carcosa?
Elaborating on #2: say the PC has 3HD. The creature hits a trap and the trap deals 1HD of damage, so now it has 2HD. If the PC then took 1HD of damage within a combat and be down to 1HD. If the PC then took another HD of damage from a trap, the PC would be unconscious due to 0HD similar to if they were dropped to 0HP in combat.
What tools are useful to organize a GM's campaign notes?
I've used Microsoft OneNote successfully for the last several years, but you need a copy of Office, so I'd second the mention of Evernote since it's free.