About the only time I can think of that consummation has any legal relevance is if you are seeking an annulment, and in that case it's what happens AFTER the marriage ceremony that counts.
For that matter, I'm not 100% sure it matters even for an annulment as far as dissolving the civil side of things, though it does for the religious (when applicable).
Oh, and he's asking the same questions all over the internet, but he does seem (so far at least) to be limiting himself to these two.