That’s one approach and it might be the least likely to feed some values to the wrong Item during the transition.
Yes, you can use wild card subscriptions. For example foo/bar/# will subscribe to all message to all topics under foo/bar.
This would be done by creating an event Channel on an MQTT Thing or even on the MQTT Bridge with a wild card subscription like described above. That Channel can directly trigger a rule. See MQTT Event Bus [4.0.0.0;5.9.9.9] for an example.
Probably not.
I worry that with this approach though there will be a brief period between when the change is detected and all the Items are relinked where updates will go to the wrong Items. Maybe the updates don’t come in that fast after the change is detected?