where you can find some explanations and configuration examples.
For design rules be aware that the possibility of subdividing into different areas depends on the existance of an ABR. Now an OSPF router will become ABR in case it has an interface in area 0.
From this you can conclude that you need area 0 in all major sites (just in case), and as it cannot be splitted you would have area0 across the DMVPN construct.
The question about subdividing your network into different areas can be answered by looking at the CPU and memory load of your routers.
Generally I would recommend it with your construction as then you are able to control the amount of information sent through route summarization (area range on ABR) - personal taste. It depends also on the number of routers involved.
Regarding your stub question: a stub area does not get external routes but a default route from the ABR instead. In case this doesn´t conflict with your internet default route go ahead.
Hope this helps
P.S.: Personally I call the default route the "highlander" route. There can only be one and in case there are more then they will fight each other ;-)
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