42: Correct.
More reliable to use your LGT (local gabbe tzedaka)
About the ??? ?? ???? ???? point made above. I have heard that the Chofetz Chaim says that the gemara was abbreviated to ?”? which was *incorrectly* expanded to ???? ????. It should read ???? ????? – meaning that there is no deficiency in the *mitzva of tzedaka*. There may very well be a deficiency in the person giving for having such intentions. I’ll try and find the source.
In any case, this gemara doesn’t apply here since it is a chiyuv of matonas l’evyonim, not a general mitva of tzedaka.