Hi Konstantin, and welcome to the community!
I wouldn’t say this is basic, but I suspect that you don’t know what you’re looking for, which makes it difficult to search.
Maybe. It depends on the thermostat you buy.
Again, it depends on the thermostat. Some have WiFi or Z-Wave built in, in which case there’s no hub. It’s up to the company. More importantly, thermostats differ by region, and could mean valves that control individual radiators or wall-mounted displays that control forced-air systems or electric baseboards.
You need to find out what’s available in your area and then search in the documentation/community to see if it works with openHAB.
Actually, a light or switch that uses WiFi still requires a hub: your WiFi access point. Whether it’s Bluetooth, NFC, ZigBee, Z-Wave, or something else, devices can only talk to other devices that speak the same language. The hubs you’re referring to are necessary to translate one language into another.
The advantage of the hub approach is that companies (e.g. Phillips and their Hue devices) can use wireless technology that consumes less energy, takes up less space, works with legacy devices, and/or costs less. It also cuts down WiFi traffic in your home.
The Matter standard that’s in development will hopefully improve upon this, enabing devices to use either WiFi or Thread radios to communicate with each other easily. It’s supposed to launch next year, but who knows how long it’ll take to impact the industry.
It’s also worth noting that some WiFi devices rely upon a company’s cloud, and many people don’t like that. I’m personally neutral on it, but I can see why others avoid it.