1: I relog when I update access level, think you can zone and it'll pick up tho.
2: Yes, I'll find the thread that explains it if someone else doesnt first. Its not saved in my book marks so I need to find it.
3:
http://www.eqemulator.net/wiki/wikka.php?wakka=RaceList , start there for knowing which races you can use where on npc you create or modify.