By checking the IRF links utilization I mean you need to check how busy they are. Example:
If IRF port is Ten1/0/50, then you can 'display interface Ten1/0/50" and check following lines:
Peak input rate: 148 bytes/sec, at 2013-01-01 00:06:04
Peak output rate: 40 bytes/sec, at 2013-01-01 00:11:55
Last 300 second input: 1 packets/sec 145 bytes/sec 0%
Last 300 second output: 0 packets/sec 40 bytes/sec 0%
In my example you barely see any traffic, but if 'Last 300 seconds" counters on your switches start to go over 60%, you can start planning adding new physical link to logical irf-port. Like in your last example where members 1 and 2 have two physical links between ports 49 and 50, but both links are member of one logical irf-port.
Regarding your last topology - you can start with just single physical link between each IRF member and then if you see high utilization on any IRF port then you can add physical link to that logical IRF port. Example - in the beginning you have 1 physical link between member 1 (master) and 2 on port 49:
irf-port1/2
port group interface Ten-GigabitEthernet1/0/49
#
irf-port2/1
port group interface Ten-GigabitEthernet2/0/49
After some time you see that the utilization of that link (last 300 seconds input/output) keeps steady above 60-70%. Only then you add second physical link to the irf-port1/2 and 2/1:
irf-port1/2
port group interface Ten-GigabitEthernet1/0/49
port group interface Ten-GigabitEthernet1/0/50
#
irf-port2/1
port group interface Ten-GigabitEthernet2/0/49
port group interface Ten-GigabitEthernet2/0/50
But if all ports are busy on a switch, like on 4th ... then we lack this possibility to expand IRF's bandwidth.
That is why start with single link and add links only to busy segments. For example maybe link between slot 1 and 2 won't be busy, but 2 and 3 will be much more utilized. Then you won't need that second link between 1 and 2 and better use free ports to expand the busy segment between 2 and 3.