Why spoiling your trip by staying at Abbottabad, go direct to Naran, Leave early from Lahore, even with few stops you can comfortably reach by the evening.
Naltar can be added, if you follow my above suggestion, you will have an extra day as well.
Plenty of places to stay depending what you like, most tourists stay at Karimabad, I always prefer to stay far away from Karimabad. But for a normal tourist Karimabad is good, and after reading your concerns I think its suitable for you.
Life is usually slow in those areas, they live their life as per schedule of nature, don't expect it to be open til late like liberty or mm alam rd.
I think its your first tour so better stay on the highway and stop wherever you find a brown board placed at attractions. Rakaposhi view point, Altit/Baltit fort, Eagle's nest, Attabad lake,Passu cones, Khunjerab, Hussaini bridge, Borith Lake, Nagar. Also visit couple of villages in valleys.
For real things you have to do trekking.