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Yes, when you install ToB the exp cap in SoA is raised immediately to the 8 mil in ToB.
As for your second question, I'm not sure but I think you will forgo any special abilities that you could have chosen if you had installed ToB in the first place.
For example, say a fighter reaches level 20. If ToB is installed, you would be able to select an ability for him when he levels up to level 20. But say you just removed the exp cap w/o ToB. When he levels, you can't choose an ability for him. Then you install ToB. When he levels up next, you get to choose only one ability for levelling up to level 21. You can't gain the ability for having levelled up to level 20.
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