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Here is Matt Cutts talking about this topic:
http://www.youtube.com/watch?v=gRzMhlFZz9I
The idea is to avoid spammy looking urls (which all of those do) and focus on URLs that are easy for users to remember and link to while also keeping some sort organizational structure for the site.
No it should not. Particularly if you are using that term as your h1 (which doesn't have huge ranking influence). Your h1 should have keywords and should be relevant for the user -- generally it is one of the first things a visitor will see when landing on your page. You want your page and h1 to be relevant and readable for the visitor.
The Google algo is developed enough that it will understand prepositions, conjunctions in proper context. So if it makes sense to use "in" for the context of the page then use it, if not don't.