Officially, ask the GM
There's no official answers to these questions beyond a couple of sidelong mentions, so the DM must answer them if they come up, like, for example, if the party expects to be spending a large amount of time within their bag of holding (maybe by using a bottle of air or a necklace of adaptation).
Unofficially, here's some speculation
I've speculated below about some things and drawn some conclusions based on the limited information presented by the text about others, but none of these are official, and I'm unaware of an official stance on any of the questions raised.
Stocking the bag
The first problem of shoving a refrigerator-sized box into a bag of holding is, frankly, shoving the refrigerator-sized box into it. The bag is only 2 ft. wide and, unless the GM says the bag does, that opening doesn't stretch to accommodate stuff. So while that opening could accommodate a human child...
...or a Medium adult, a standard-size kitchen-type refrigerator box would likely be too big.
Gazing into the bag
But let's say that one does get whatever into one's bag of holding then sets down the bag and takes a look inside. What does one see?
A bag of holding opens into an extradimensional space in its own demiplane... usually.1 Whether that demiplane is naturally illuminated or not is up to the DM.
- If a bag's interior is naturally illuminated, can an open bag be used for illuminating an area when one's out of torches? Can one enter the bag, read by such light, and exit the bag if one doesn't exceed the weight limit or overstay the breathable air time limit?
- If the bag's interior is not illuminated does one take longer than a full-round action to extract an item from an overloaded bag, contrary to the bag's description, because of one's inability to see the bag's contents?
Reaching into the bag
Assuming one can always fish items from an unoverloaded2 bag as a move action or from an overloaded bag as a full-round action, the magic of the bag must keep its contents sort of organized, respond to the possessor's will, some DM-determined combination of both, or something entirely different. That's because the bag must be more organized and convenient than a backpack: while the move action retrieve an item provokes attacks of opportunity,
Retrieving a specific item from a bag of holding is a move action, unless the bag contains more than an ordinary backpack would hold, in which case retrieving a specific item is a full-round action.
So while just as much—if not more—effort is needed to retrieve an item from a bag of holding, technically doing so while threatened is not as dangerously distracting as retrieving an item from, for example, a backpack.
Thus the DM has at least two choices:
- The possessor of the bag looks into the bag and sees all the contents as if through a telescope, and is able to manipulate the bag opening to see into different parts of the bag. If the bag's overloaded, one searches the bag with quick glances while keeping an eye on one's foe, I guess.
- The possessor of the bag sees an empty bag (or, alternatively, what would be the contents of a normal bag of that size) but can mentally manipulate (perhaps sliding like a touchscreen) objects within the bag until the correct one comes into view. This manipulation is rapid but not distracting, so one can keep one's eye on one's foe.
Stacking stuff in the bag
Whether stacked items fall over in the bag is the DM's call. For the first kind of bag described above, I'd argue No, the items remain stacked. That demiplane is stable. However, one must be careful when putting new things into such a bag so that they don't crush sensitive items already inside. For the second kind of bag, I'd argue Yes, the stacked items fall. The second case uses a multiple but limited number of what are, essentially, sub-bags within the main bag (that number being up to the DM, but likely each as big as a regular bag or, I dunno, like, infinite, each one capable of holding a sling or a piece of chalk).
Personal experience
The handful of times this has come up, I've used the stable bag model, depositing bag-stored items on the translucent, illuminated, spongy, gray surface of the bag's own exclusive demiplane. I've never told the PCs that a dense item carelessly tossed into a bag (which is, usually, instead, a handy haversack) crushed a fragile item because I figure that when an adventurer tosses treasure into his bag, he's careful not to crush other treasure while doing so. Some DMs might not be so kind. But, then again, I've also never had PCs stack a series of items on top of one another in an effort to shortcut the expected time to to extract a lone item from the bag. That might change my mind (or, at least, see their foes start doing the same).
1 The Knights of the Dinner Table comic book illustrates plots that may develop in a campaign wherein bags of holding share a demiplane in The Bag Wars Saga.
2 Not a real word.
Best Answer
The rules for Bag of Holding are surprisingly silent on what kind of space is the interior of the bag. Luckily, Handy Haversack has a relevant entry:
Emphasis mine.
From the earlier Q&A we can see that extradimensional spaces are actually demiplanes - connected, but separate planes of existence. This tells us that fragile items are not in the material realm if they are inside the bag of holding. Thus, we can assume they are safe enough.
Of course DM is allowed to rule that since the bag's fabric exists both in the material plane and in the extradimensional space created by the bag, it can transfer hits to its insides. But we are entering a rabbit hole of houseruling now, so I would advise against it.
But I really want these items to be endangered!
If that's the case, just use the right items. For example, a little box that's exactly 2 rings big but can hold 20. It will be extradimensional space in its own right, unsafe to put inside a Bag of Holding at all! An exotic animal's egg could run out of air in the bag. Get creative! And by all means, let them have some items in the bag! They bought it, it was expensive, they deserve to be able to use it in fun ways.