Yes.
Yes.
Yes.
Yes.
When riding against traffic, the horse will not be suprised by a vehicle coming up behind them, so it is less likely to suprise and therefore spook your horse.
you will be riding a bicycle
The most probable outcome from having an "unsafe" riding position(whatever that means) is that you fall. And when you fall you can hurt yourself against the ground, against the bike or against another vehicle, gathering whatever injuries that can cause in the process. Not much difference between falling due to your riding position than to falling due to road debris or whatever.
You are not moving relative to the bicycle.
If you were a brig, you would be riding on a sailing vessel.
You are not moving, if you are comparing to the car.
Riding height on a vehicle is the height from the ground to the bottom of the car. Or how far from the ground your car sits
You should be covered under the liability portion of your policy. File a claim and let them deal with it.
bicycle
Goliath
Vehicle riding saves time. Bigger vehicles can transport more number of people from one place to the other. Disadvantages include accidents while riding and high intensity of traffic leading to increased pollution, contaminating the air.
chariot