Hello mate,
Your yellow mayonaise within the filler car is a common symptom of too many short low temp runs....and this is obviously exacerbated at this time of year. Personally when I have a spell of this sort of driving, I take the car for an hour on the motorway. Seems to clear it nicely.
As for the water loss, it does indeed sound head gasket-ish, or I believe the waterpumps spring leaks that can be difficult to spot. I would tend to avoid radweld type products to be honest, they are a very temporary fix that can cause issues later!
The mis-fire at start up does sound like a dodgy plug or coil pack, so would hopefully be sorted at service.
best of luck
james
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