1. I think the analogue at X and digital at X- is a bit irrelevant, as I presume the product would not be delivered to a mastering house on a reel. However, if it is, there is not really a standard rule, as headroom and tape compression depend on choice. Just make sure that the relevant information (especially machine calibration) is passed on to the mastering house.
2. If a mix is delivered for mastering on a digital format, get it close to 0 dB, but MAKE SURE IT NEVER CLIPS OUT.
3. You do not have to leave a couple dB headroom for a mastering house. Your material will in the vast majority of cases be transferred into another system (or onto analogue) for mastering, at which point the mastering engineer will have full control over the levels.
Note that in many DAW's the L/R bus quality (bitrate) will go down if the level drops, which is a good reason to keep the levels up there.
4. Refrain from "getting it close to 0dB" by means of applying limiters, compressors and all those other cute tools you might have. By all means use some light compression if you feel it benefits the sound, but only for that reason, and not to boost volume. Rest assure that any decent mastering house will have compressors and limiters many times the quality of the ones you might have.
5. If you HAVE to, use some very minor peak limiting (set for instance at -0.1 to -0.3 dB, not more), to avoid clips. However, the time to address such peaking is in the mix.
6. If you cannot attent the mastering yourself, make sure you give good instructions to the mastering house / engineer.
Finally, to master a well recorded and mixed track and make it sound brilliant does not have to take a long time.
To master a badly recorded and mixed track so it sounds reasonable can take forever.