Q1: feels like you’re on borrowed time and about to blow up 🙂 (though it can still be quite a wide range) As for Z4, I’d say threshold is around the middle of Z4 and should be a proper hard effort (your 60 min absolute max.)
Q2: For CX race I’d expect it to average around threshold effort as races are about an hour… but they are much like over/under sessions which might skew that. Doing it off HR though, depends how quickly your HR tacks effort.
Q3: How does Strava do it? Looks like 5 zones based on percentages of max. Zones based on percentage of max HR are very rough estimates and a bit rubbish for this sort of analysis. Zones based on an estimate of LTHR are a bit better.
Edit… just looking at Training Peaks, it has about 20 different methodologies you can use to set up your HR zones based on one or more of max , LT and resting HR. And they all give different values for ranges.