Setting up access levels and modifying security

I have 4 questions:

1) I've run the SecurityAssist wizard and used the PowerCMS 2 preset. I unchecked Include CAPTCHA on the Registration Page Settings but the Forgot Password page still has both CAPTCHA Security Code and the Answer question. Can I just select the fullColumnGroup div for Security_Code and remove it or will that screw up the form? I really don't want both.

2) Is there place in the wizard where I can uncheck CAPTCHA for the Registration but have the Answer question? I couldn't seem to find that in the either the Manage Pages>Configure Field Settings or editing the pages area.

3) I'm unclear in the registration process where the UserGroupID is added. I don't see it on the Registration page, which makes sense because an admin would set that, but I don't see an admin page. I will need this to set up user access levels and am not sure how to fill this field in for the users. I'd edit it directly using phpMyAdmin, but I see it's created as an Integer and I'm not sure what variable choices and their values are.

4) In order to use the UserGroupID to set up page access, I believe I need to Define a New Access Rule and Allow If and chose a dynamic value (UserGroupID) to link to. But I don't see UserGroupID variables anywhere so I assume I need to create that, but I don't know how.

Thank you for your help.