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Stump grindings are usually safe to use in soil, but in some cases, it’s not recommended. Wood chips in particular can bind nitrogen in the soil, which will make it difficult for grass to grow. That’s why it’s important to remove most wood chips and use healthy garden soil if you want to cover the stump spot with grass. Large wood chips may attract beetles and could encourage the growth of fungi when they decay, so you may want to remove them when using the grindings.

Rocks are less likely to attract snakes and other critters because their prey (termites, ticks, and other insects) don’t usually inhabit this environment. However, if you have placed together rocks with large spaces in between or near a source of water, you may find a snake or an occasional chipmunk seeking shelter.

The ideal amount of mulch is the square footage of your desired depth in inches divided by 324. Aim to keep your old and/or new mulch at a depth of no more than three or four inches.

It depends. High-end colored mulch can be fairly costly. However, you'll have to replace less-expensive natural mulches, like pine needles and cedar mulch, more frequently. 

The cost is balanced out somewhat, though, as although you'll have to replace colored mulch less often, you'll have to replenish nutrients in your soil more frequently to make up for the decrease in organic matter and nitrogen from the mulch.