I don't think you(or everyone else) can get clear and proper answers to these questions. The only peson , who knew all of them for sure,is dead. That's what makes events like Columbine,Virginia Tech and Sandy Hook even worse - people who did it, had killed themselves and deprived others of any chance to establish a full picture of what was really going on with them,that made them do so.
So,as you understand, all of us can only wonder
Personally, I think that Cho had made a long way to become a killer, and , certainly , this process took a decent amout of time and included many stages. I suspect, that he had reached the point of no return somewhere between late 2005 and early 2006,after he failed to get proper mental health care, and,possibly, felt that nobody can help him.I think that he felt great anger and hopelessness, and comitting a murder-suicide seemed to him to be the only option.
Again,it's all my thoughts and opinions on what had possibly happened to him. I have nothing but to speculate, when it comes to such things