I guess Ill give my 2 cents as well since I believe the way you do it is not ideal:
1.) You put the crosshairs into your custom hud. You probably want to have them in tf/custom/mycustomstuff. You'll use the same folders (thumbnails and scripts) but this method ensures the crosshairs are not interconnected with your hud. Thus you dont have to reinstall them every time you install a new hud.
2.) Your dot seems to be super tiny, you yourself stated it wouldnt be ideal. Rainoflight created this dot which is rather big by default but looks good no matter the scale. http://www.teamfortress.tv/30866/guide-weapon-specific-custom-crosshairs (post #15)
3.)width and height on 32 works for some crosshairs but not for all. I seem to have the best success having both on 64, otherwise you may end up with 4 crosshairs instead of one for some reason, that is to say you may have to divide the values in half/ double them depending on the crosshair.
4.)about the explosions -> These are the default explosions for anyone curious:
simply replace electrocuted_blue_flash with these.