Health: It’s interesting. Tefillin is the only Mitzvah that the Shulchan Aruch specifically says women can’t do. A woman who actually follows the SH”A wouldn’t wear Tefillin. I wasn’t brave enough to ask this woman, though based on her Hakpada for the Poskim I’d guess that she didn’t wear Tefillin.
Shmoel: Based on several interesting situations I’ve received a lot of Shailos from a lot of people for quite a while now. I happen to meet a lot of people. Some of them are kooky. Some aren’t really Orthodox. And some honestly just want to do Mitzvos.