Profiles
Design and Skin Customization
#1: sure. its in the skins
/skin/(your skin name)/profile_header.tpl
#2: 'best' is difficult because I haven't tried multiple things and found one I prefer. There are many places you could start though. Perhaps take a look at the jrAdminSkin module. The way it works is to catch via a hook what the current section and current skin is, then set it to a different area depending on what the admin chooses.
So the admin area could be jrElastic, the front end jrSage and the profiles jrProjam. You could do the same thing depending on quota. That would be one way.
Another way would be at the template level
{if $_profile.quota_id == '3'}
{elseif $_profile.quota_id == '4'}
{else}
{/if}
There are probably other ways too.