Wow... you are going about the entire process the hard way aren't you? There is a link in my signature to the Softmod Any Wii guide, I suggest you follow that. It will give you everything you need including Priiloader (startpatch is not what you want).
1. HBC is a full channel install, it will always launc without the sd card. Forwarder channels are like shortcuts, the point to the sd or usb device.
2. Yes, simple to fix.
3. If you want the .iso to be properly split you need to use a game manager to transfer it. Wiibackup manager will do this for you. Ripping the disc directly to the usb device through the wii is the most efficient way to get the games copies... no need for a computer that way.
Look at the "must read for noobs" in my signature and it will enlighten you on pretty much everything you need to know. Then follow the Softmod any wii guide, just run it over what you have already done.