As far as the Speed problem, my understanding is that it displays the speed limit on some roads (just interstates so far for me), but not the actual speed of the vehicle. I looked all through the manual to see if I could find if the actual speed could be displayed but could not find it anywhere. Maybe I'm missing something. It would be nice if it showed the actual vehicle speed, and I thought it did too when I bought it.
I can't help with the bluetooth thing since I don't have that option.
Lucky you are, I have none of the road speed limit icon or the warning. As far the car speed itself, it can be seen under "vehicle info", not a big deal since we still have our car tach! My biggest complain is the navigation doesn't show the exit you have to take on the screen. It is spelled but when on the phone, the sound is muted and you can miss it. That happens to me twice. I think JVC as drop the ball on few basic.
As a comparison, my old INAV running on a pocket PC as both (speed warning and exits #)
Are you in US or Canada, that may explain our difference?