As regards your second question Aquinas writes in
De Unitate Intellectus:
[102] Nor is it true to say that every number is caused by matter, for then Aristotle would have inquired in vain after the number of separated substances. For Aristotle says in Book Five of the Metaphysics that “many” is said not only numerically but specifically and generically. Nor is it true that separate substance is not singular and individuated, otherwise it would have no operation, since acts belong only to singulars, as the Philosopher says; hence he argues against Plato in Book Seven of the Metaphysics that if the Idea is separate, it will not be predicated of many, nor will it be definable any more than other individuals which are unique in their species, like the sun and moon. Matter is the principle of individuation in material things insofar as matter is not shareable by many, since it is the first subject not existing in another. Hence Aristotle says that if the Idea were separate “it would be something, that is, an individual, which it would be impossible to predicate of many.”
I don’t think this really answer’s the OP’s question.
"… how is the (disembodied) soul individuated? …matter individuates the form/soul, how can the soul be individuated if it is not united to matter? "
Above Aquinas seems to only be saying that non-material substances by definition must be singular (eg Plato’s forms or Angels). Therefore non-material substances must be multiplied by differences in form. This is quite true, “angel” defines a group/genus not a single species common to many individuals. Each angel is its own uniques species (ie each a unique non-material form).
But this is not the poster’s question really. He is talking about “disembodied material substances” (DMS’s) which are not the same as “non-material substances”.
I think that we have to assert that DMSs must inherently retain some sort of unique potentiality wrt matter (matter is totally “generic”) which makes them different from other DMSs. This means DMSs must have some sort of “sub-species” differences.
Could my DMS come back as a female (I am a male) and still be me?
Yes I think so, the differences between DMSs is probably much deeper than a superficial potential towards a particular hair color or skin colour or sexual identity or even DNA code.
Or perhaps it is not really about “form” at all.
Maybe DSM’s are unique and individuated on the basis of non “ontological” causes - e.g. personal history. That is, my prev material life represents a particular causal thread running through the giant tapestry of the Cosmos/Time that is uniquely identified not only in itself but also by reason of the “gap” that would remain in the Universe’s fabric if this little thread were pulled out.
That little thread cannot be “pulled out” of existence because to do so would mean all the other “threads” I had a causal influence on could no longer be themselves either.
That means, like the Persons of the Trinity, we can only be uniquely identified by our unique causal relationship of origin to each other (ie to other DMSs).
But how is the “causal complex” that each DMS uniquely represents imputed to us in ontological terms (which is what “disembodied soul” is surely meant to represent). How is it held together in a disembodied non-material “existence” as “me”. Somehow it is in God.
Perhaps “disembodied souls” are in fact “embodied” in another dimension of materiality we know nothing about.
OR, the soul retains an imprint, a sort of memory of our causal history. Like the soul’s of the baptised/confirmed/priests are said to bear a “character” other souls do not possess.
OR, each human soul, even though material, is its own species (like the angels).
“Species” is not the best word as “material species” are known to be different apparantly because they cannot breed together. Back to the each human form is a “sub-species” of “human” thesis above then.
Hmmmn, perhaps the Scholastics got that wrong. Two males cannot breed together, does that mean they are different species? Yet a male and a female (obviously from different planets) can breed togther! I am confused

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