No, you don't get back the xp drained from the monsters that drain it, you will lose all xp drained when you die or level, unless you read a scroll of restoration, and draining xp monsters are pretty good xp for little danger.
There is no max level, but many people want to kill themselves at level 29-30+
That bug has been around for quiet sometime and I think that it won't be fixed until axemen get their own armor (around 2100).
In some of the sme of the areas you will be able to log out but some areas you can't, as of now there is no penalty, and depending on what you are fighting you might be able to log out.
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