Hi George, sorry I only focused on the first question and was considering it from being in the body now: "Do you people think moksha is normally reached when you are in a physical body?".I'm not completely clear on your answer. I was questioning more from the idea that this universe is teeming with entities of which only a tiny, tiny fraction have physical bodies. I was thinking more like after the human experience, many may continue to incarnate non-human entities and grow towards moksha from those experiences.
I am wondering if many of our understandings are naturally too human-centric.
I am not sure about incarnation in non-human entities. I expect Srimad Bhagavatam or other puranas have details about this. Bhagavad Gita As It Is talks about life on different spiritual planets. I had the impression that those lives were more intermediate steps and for moksha one had to have a human life, but that is just my impression.