1. this is a site permission that is in... they can't start private topics is a group thing.. of course they can receive PMs from admins or whatever.. which i'd think you'd want..
so you can just make it so the group that allows PMs has a certain number of posts before then join it...
2. same idea applies here with the existing site permission that allows/disallows image tags in sigs...
so it's in there already in 7.5.4.2