This gives you two approaches to build intuition on the qualitative behaviour of the field lines and to quantititatively calculate them. The exact formula has no simple expression and involves double integrals. It gives the same result regardless whether you use Biot-Savart's law following the current approach or Coulomb's law following the charge approach. In your
Both approaches explain why there is a "polarity inversion" in the "air gap" (the hole of the ring). From the current perspective, youthe outside surface currents generate an upward field in the gap, but the inside surface currents generate a downward field (the usual solenoid field). It is the latter that dominates after superposition since it is closer. Indeed the field decays with distance to the source, and this can be made rigorous on the axis. You can reach the same conclusion for the entire air gap with the charge perspective. You have positive charge above youthe gap and negative charge below, so the field is necessarily directed downwards. In either case, hence the "polarity inversion" (the reasoningresult is mathematically rigorousairtight (without having to calculate exactly the field): the field points downwards in the gap.
This is consistent with your equation of $B$ on the $z$ axis. No, the formula is not meant to only be applied above the top face, it is valid on the entire axis. In fact, using the charge approach, you can trace back where each term comes from. Each annulus can be viewed as overlapping oppositely, uniformly charged disks of radius $R_i,R_o$. The four terms come from each of the four disks. Just as Coulomb's law is valid everywhere in space, this formula is valid everywhere on the axis.
From the current/magnetisation perspective, it's a bit trickier to interpret the terms. Naturally the first two terms correspond to the outer solenoid and the next bracketed to terms to the inner solenoid. In terms of magnetisation, you need to imagine the ring to be the superposition of two concentric oppositely, uniformly magnetised cylinders of respective radius $R_o,R_i$. This is why they correspond to the previous formula in your linked page. You cannot understand where the two sub terms come from as from the current/magnetization perspective, you cannot have a net magnetic charge. You can almost get there by adding and subtracting by the same constant. Essentially, a finite solenoid can be viewed as two semi infinite solenoids with an overlap and an infinite solenoid to cancel the non overlapping region. Therefore, up to an additive constant, each of the four terms can be viewed as the field of an infinite axially magnetised cylinder with a discontinuity at a certain cross section, or equivalently, an infinite solenoid with a discontinuity of the surface current at a cross section.