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2) Optics - as a MBR and not DMR or other precision role, aside from irons I'd like to run a micro RDS on the permanently-installed Pic rail on the receiver. The most I've been able to find is from years-old discussions involving claw mounts. Would an Aimpoint T1/T2 be mountable for any sort of co-witness? Would they even hold up to the recoil impulse of .308?
An Aimpoint T/H-1 or similar micro red dot should co witness on a wielded rail or claw rail mount.
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3) The lower portion (grip, safety, and trigger pack housing) that these seem to be released with currently look like something TAPCO designed, and I'm not quite convinced I like it. Reviews say that they're functionally fine, but if I want to buy a "Navy" style lower or stamped steel lower, would they presumably be easily interchangeable?
Lowers are interchangeable. Mine came from the factory with the Navy polymer lower, and I replaced it with the older metal lower because I liked the grip better. The trigger packs are easily swapped from lower to lower if you do decide to change from one to the other.