1. If the image is referenced in the template, then it's being called. Whether you've got something on your server blocking its access from your email client is yet another matter.
2. Email clients support a VERY old HTML specification. As kuroi mentioned, they don't support contemporary things like DIVs very well. And, similarly, they don't support linked stylesheets very well. Especially the web-based clients. That's why they're embedded instead of linked.
(In v2.0, Zen Cart will have the ability to save a common stylesheet in the email folder and it will "suck it in" to embed it in the email, thus making the maintaining of the css a little more straightforward. In the meantime, you can build a common stylesheet and just copy-and-paste the same stuff in all your templates. It's not as convenient, but only takes a couple minutes to update them all.)




