Myself and my immediate family UK General Visitor visa was refused for insufficient funds evidence
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For your first question, about hotel bookings: They do not care about hotel bookings, they do not prove any of the criteria needed to qualify. If anything it hurts the application because it shows you didn't read the guidance.
They will look at your salary and bank statements and determine if you have the capacity to get accommodation. If your capacity is weak, you can include the letter from your uncle (as long as he was identified as UK family in all your previous applications), but if they think your finances are sound they will not rely upon support from elsewhere.
For your second question about applying separately from your family, this depends upon the premise of your visit vis-a-vis your previous application(s). Is your visit contingent upon all the family receiving entry clearance? If so, then apply together. Since no bookings are needed the incremental cost to apply is £83 for each family member. The risk of applying separately is that they would be able to conclude (and rightly) that you did not reveal material circumstances governing your application.
For the part about making a personal attestation that you will not overstay, note that everybody in the world is happy to say the same thing. What it means to them is that you haven't read the guidance because the attestation is explicit in part 10 of the application form.
The refusal formulae they gave (and thank you for including this in your question) shows that your finances do not tie out. They will be looking for a strong correction to this in your next application.
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