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Index rating is the "strength" of the plastic's optical power, higher index means thinner lens with the same prescription. It's lighter too and costs more. Zennioptical index recommendations are a bit low for your usual glasses, so you should get the recommended index or one step higher index (more expensive). Im not sure how beneficial that will be for VR lenses, but it might be. It might give more space. But the recommended index is most likely fine and fit the lens adapter, depending from prescription strength. I took 1.67 (recommended for me), and for real glasses I would take 1.74.
"will those fit in the Adapters?" Index rating itself has nothing to do with that, but the overall thickness might. Just take high index enough for needed prescription.
Im not sure what you mean by filters, but the standard anti-reflective coating is almost a must ($5). I took the best coating ($15) because my lenses will be more expensive anyway because I need 1.67 minimum. So all you need is frame price (you must buy the frame) + lens price (cheapest ones are free) + some kind of anti-reflective coating.
IPD 65 is most likely right.