If the heads have crashed, they'll create
enough drag on the disk that
it will go into an underspeed condition and that will cause the heads to
retract. It will do this even on drives that don't have servo info on the
disk.
That depends on the drive. I've seen (and repaied) an RK05 that
headcrashed and carried on running for serveral minutes with the heads
loaded. Made a right mess of the heads, I can tell you...
-tony