If I may... I happen to be a professional here. Take it from someone who's wiped his ass off.
-Toilet paper shouldn't hang over the roll, but rather come from under for easy tearing.
-Fold. Nothing else needs to be said. If you wad than you are fat it doesn't really matter.
-I'm starting to think about wet wipes, once you go wet wipes I can see how you can clearly see that dry toilet paper can simply not get you clean. (thank about washing a sink full of dishes but not using any water...... gross)