Hi! Gracie's belly gets rats real bad too, so I just keep her tummy shaved and her chest clipped short. It's not really visible and it saves us both a lot of grief during grooming.
Gracie just had her first professional cut and I was so very luck to have a great groomer recommended to us. It was a great experience for G and she got a great cut. G is soooo happy I found this place and that she doesn't have to wear the horrible home cuts that I give her any longer.
As for the biting, yeah, she probably will out grow it. Tell her no, push her away, ignore her until she'll play nice, offer her a toy to chew instead. Just stay after her to not bite you.
Here, let me show off her cute new style yet again.