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Instagram truncates after roughly 125 characters, and most viewers never tap "more". Whatever the caption is for — the offer, the question, the point — it belongs before the cut, not after it.
A wall of generic tags reaches nobody, because the broad ones are saturated. A handful of specific ones describing exactly what the post is about reach the smaller audience that actually cares.
Yes — no account and no card required.
Put the point in the first 125 characters, because that is where the caption is truncated. Everything after is for the minority who tap "more".
A small number of specific ones beats thirty broad ones. Generic tags are saturated; a tag that describes exactly what the post shows reaches people looking for that.
Only if there is a genuine next step. "Link in bio" on a post with nothing to click trains people to ignore it.
Yes, though a Reel caption should be shorter — the video carries the message and the caption supports it.