Really good questions, and I don't yet have definitive answers. However, I hope to do some testing in the near future to get a handle on this. My quick takes:
1. I'm pretty confident that if the biochar is kept out of heat and cold, it could harbour live biota for months. And if the material does dry out completely, the majority of the microbes and fungi
should be able to produce spores, buds, or forms that survive dessication via lower metabolism. Soil bacteria and fungal spores have been detected in air samples taken high in the Himalaya, at the South Pole, and in the middle of the Pacific. Life is durable. Once conditions are favourable, they "reanimate" and get back to business.
2. Even powdered biochar still has immense internal surface area. The microstructures (Pores and channels) are at least 10-100 times smaller than the fines produced by grinding in any machine that we would be using.