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Thanks for your question.
You cannot lodge a further application if your initial application is pending and this includes an appeal of the decision.
You can subsequently add a co-sponser to the application that you are now appealing.
If you were to get married in another Country and return to the UK this would obviously invalidate your fiance visa application since your partner would be a spouse, not a fiance. You would then have to make a further application for a spouses visa.
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I'm terribly sorry I intended to write "cannot" rather than "can" as to the introduction of a co-sponsor before appeal, the JustAnswer browser is a bit cumbersome today
I think the provision you refer to relates only to "entry clearance" which is for persons who are presently out of Country who wish to gain entry in to the UK. Is your fiance currently in the UK
Right. Yes, that means you can make another application whilst the original one is pending, though it would seem fairly imprudent to do so unless you are confident that you can correct the defects in original application.
You can submit a co-sponser with your new application, it is a fresh application and you can submit whatever evidence you like in support if it.
If you are hoing to marry then it may be best to marry out of the UK, the submit an application for a spouses visa whilst she is still out of the UK. Provided you supply the the information listed on the form (which is VAF4) they are rejected only very rarely.