Yes, the CPU is really easy to access, 5 screws, and everything is under one cover, CPU, GPU and memory modules.
About the hard drive, from what i saw, it's the same system as was my 8006. Few screws and you can pull the whole part (enclosure, inc. the impact protection) out and the disk is inside, hold by another 4 screws.
And yes, FAT32 again, split into 3 partitions, 3GB invisible system recovery one. I didn't get any recovery cd's and from the manual i assume, you have to use the new eRecovery tool, to create image and burn it onto cd's or leave it on recovery partition.
Sorry, no games yet, waiting to receive it back from Acer service.
And yes, there is a smartcard slot + 2 cards, same as 81xx.