1. FOW always uses two textures, but not for explored / unexplored color, but for blending. The smooth transitions that occur when you are uncovering the map are done in the shader by blending between two textures. When one texture is at alpha of 100%, the second one can be used for writing the next batch of updated FOW data.
2. When using the Image Effect based approach the skybox is a part of the scene so yes it will be covered by the fog. If you want selective fog of war, you need to use custom shaders on objects as shown in the second example.