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There are guides for how to do some achievements both in forums and on youtube if you wanna have hints how to do them. Some achiements you will get playing any nation and others are specific for a nation. So try them out. Most aint too hard to get.
Since the AI gets a bonus and the player is not allowed to load any savegame while ingame, Yeah sure.... Do you really own EU4 ?
Actually looking it up, you dont have to allow the AI to get a bonus, but you cant have player bonuses enabled. Only AI or no bonuses allowed in Ironman Mode
Not being able to use savegames is not making the game harder by itself. It just means you have to own up to your mistakes and recover or restart from scratch. So don't make mistakes or get very unlucky. But its like in real life - whats done is done - you cant undo and restart.
They AI dont get any additional bonus in Ironman, unless you turned them off manually yourself in regular mode.
Thats not them getting anything they shouldnt of had before you disabled it.