The good news about ceramic tile is that in the event a piece is damaged it can be extracted and replaced without being an obvious repair.
Yes, to some extent you need to pay a little more attention to your hardwood floors than say, a ceramic floor. Proper maintenance and using the proper cleaning products will greatly add to your floor’s life. Once you get used to its care requirements, you will likely find that it is a very forgiving floor to live with.
Yes you can as long as you use a product that’s freeze/thaw stable. Keep in mind slip resistance as well