What is the difference between X-Frame-Options and CSP frame-ancestors?
Both prevent clickjacking by blocking the site from loading inside someone else's iframe, but frame-ancestors is the newer Content-Security-Policy directive and is considered today's recommended approach; when it is present, a missing X-Frame-Options stops being a problem.
Do I need to enable X-XSS-Protection?
No. The filter this header controlled was removed from Chrome, Edge and Safari, so it has no effect in current browsers; the recommendation is to remove the header, or set it to 0, and rely on Content-Security-Policy for XSS protection instead.
What is the minimum recommended max-age for HSTS?
At least 15552000 seconds (180 days) for a policy considered strong; to join browsers' preload list, the requirement rises to 31536000 seconds (1 year), always paired with includeSubDomains.
Why are Server and X-Powered-By penalized if they are not security headers?
Because they leak information that helps an attacker, the exact software and version of the server or framework, which makes it easier to target known exploits for that specific version; the penalty is small (up to 3 points per header, capped at 8 total) but it still counts against the final score.