Answer: If you are asking if you can use the fusion material monsters from your hand then yes if you are using the Polymerization card or Fusion Gate. But for other cards like Miracle Fusion or the Hex Sealed series they should be in the field.
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You should never have a Fusion monster in your hand. Fusion monsters go in the Extra Deck, where they can be brought out at any time if you have the appropriate Fusion card and Fusion material monsters. If you are referring to if a Fusion monster is targeted by an effect that says "return **** monster to its owner's hand" then the Fusion monster is return back to the Extra Deck, not the hand. The same goes for Synchro monsters.
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if you have the necessary cards (fusion materials) in your hand to fusion summon yes, since fusion monsters have their own deck area.
No, cards like 'Polymerization', 'Future Fusion', and 'Fusion Gate' cannot be used to summon any of the XYZ Fusion Monsters. These Fusion Monsters cannot be Fusion Summoned and requires you to banish the monsters listed on the Fusion Monster from your side of the field in order to Special Summon them.
A Fusion Monster can never be Normal Summoned, as it is impossible to put them in your hand. A Fusion Monster must be Special Summoned, be it Fusion Summon through Polymerization or similar, or a regular Special Summon by any card that can do it.
Cyberdark Dragon cannot be summoned except by Fusion Summon. Cyber Stein does not 'fusion summon' the fusion monsters is summons, it is only a special summon. It therefore cannot summon monsters like Dark Paladin, or Cyberdark Dragon.
A Fusion Summon generally consists of two or more Fusion Material Monsters and the Spell Card Polymerization.Some Fusion Summons, such as Contact Fusion, do not require the use of Polymerization and can be fused as directed on the Fusion Monster.