I dont see a worrying amount of CA in the picture above, Nikon capture can remove all traces of CA even wideangle.
Point two, I would say its normal. I see what you describe all the time and as stated it does not show on any photo. I assume its an internal reflection inside the viewfinder/mirror assembly.
I realise the photo is a 120% crop but I see little sharpness, look at soft the ladys' hair is.
What aperture is the picture taken, f4? Shooting any lens wide open is never its best.
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