"1) If the fumbling player makes the recovery, then he gets the ball at the point of recovery, correct?"
YES, although if he recovers it and he is not down by rule he may advance the ball. (see NCAA Rule 7 Section 2)
"2) What if the defense makes the recovery? Do they get it at the point of recovery, the point the ball was lost, or do they have a choice? And what if they recover and run with it?"
It's just a "standard fumble". Ball is live and B can return if not recovered on the ground (if ball is not dead by rule). (see NCAA Rule 7 Section 2)
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"It's easy to get the players, Getting 'em to play together, that's the hard part." - Casey Stengel
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