The point I'm trying to make is that it /is/ unrealistic by our own real world/earth standards. Currently we do not possess the technology or medical knowledge required to actually revive a person in this state. Small tissue or blood samples can be frozen and thawed out again, but put simply, something as large and complex as a human or humanoid body is much more difficult to thaw where it won't cause more and most likely irreparable damage. As to if they would have cells, yes they would as the races are all organic.
Once the patient is frozen, they are clinically deceased. While yes, their cells won't all immediately die and that does take time, their heart no longer beats. Upon thawing you would have a deceased person, with cellular damage caused by that thawing process. The body would need to be re-warmed and resuscitation performed (For a healthy patient the chances of being revived by CPR are less then 20%, a wounded one much less so). If the patient is successfully revived then there are also chances of damage to the brain. There would be no oxygen supply after the patient had been thawed, so there is a decent chance they might not even wake up afterwards.
I actually play a cleric character, and starting hearts and keeping those internal systems operating is not something in our repertoire. That would fall to the temple monks. The monks are there to revive your characters because if they weren't we would all be rolling a new one every few days. No-one would participate in any events or even have the will to leave their homes from the fear of being killed. Also, no-one can actually tell you to perma kill your character.
You mentioned under point 4 that cryo will stop a person from dying. It may stop the cells from dying, but the person is dead. The body doesn't move in slow motion, it actually stops all together. The heart won't beat something like once a year etc, it will stop.