Purge delay and retention policy
Scenario 1:
You did not mention how many versions you are keeping in Retention. Ideally, you are keeping at least 2 versions. But according to your scenario, since Thursday nothing changed, nothing is backed up. Assuming you're keeping all versions, then you have the Monday file (good), the Tuesday file (may be block-level, but regardless, it's good), and Wednesday (probably not block-level since the entire file changed, but regardless, it's not good). You can then restore either Monday or Tuesday.
Since you did not mention versions you are keeping, remember that any files that are backed up using the block-level algorithm would be tied to the original full file backup at the start of your 90 day cycle, so if a file changed every day, you'd end up with 90 versions in storage. If you wanted to keep fewer versions, you would need to run the incremental more frequently than every 90 days (it's only going to back up files that changed that day and for those files that were backed up using block-level, they would be backed up in full - unchanged files are not backed up again after the very first backup).
Also keep in mind that "most" ransomware tools change file extensions, effectively deleting the original file and creating a new one with the same name but an added extension. They may not all work that way, but if that happens all your files would be flagged for deletion and in 30 days (since you have a 30 day purge), the files would be removed from storage. Presumably, you'd know pretty fast that there was an issue and can then restore.
But I would ensure you keep at least 2 versions of files and to avoid excessive storage for larger block-level backed up files, consider changing the Incremental to monthly or weekly, as needed.
Scenario 2:
Not correct. Purging is only related to files that have been deleted. If a file is never deleted, it's never removed from storage using that option. If you want to manage this, then you need to allow for multiple versions to be created as mentioned above.