Hi nycfig,
When you move a figtree from one spot to another, the tree gets shocked, and that alone can explain the leaves dropping early .
I bought 4 trees in September - most likely they came from fig paradise aka the Mediterranean belt, and those are already naked by now - they are the only ones so far to have dropped all leaves.
Those 4 had suffered in their pots at the nurseries, lack of light and lack of proper watering and fertilizing.
The brown stains can be the normal process of leaves preparing to drop, so I wouldn't be concerned at this point.
I wouldn't touch the tree now, as adding new soil will add new nutrients and can trigger new growth. I would rather work on the tree in March or April just before the tree starts to wake up.
That is if you plan to keep her in a pot - if you want to put her in ground just go ahead - my 4 are already in ground - just don't touch the roots as in ground, they will work their way without your help.