Regarding memory map and addressable amount of memory...
The memory map is just a convention established by the system designer to simplify many aspects of the design, and ensure that everything should work as intended. For instance, on 68000-based systems that have no MMU, the physical memory space is much easier to use if it is contiguous. That's why 68000-based macs tend to have only one bank of memory. Once a MMU is in the system, then the virtual space will be remapped to the physical space anyway - so even for 'non-virtual-memory' operating like System 7 (w/o VM enabled, obviously), Macintoshes can use discontinuous physical space made up of two or more banks of almost arbitrary size - that'swhy the IIsi can use an extra 240 MiB from a IIsiFPGA: it's just remapped to be contiguous after the soldered memory and the SIMM bank.
The memory map for the LC has 10 MiB reserved for memory (DCDMF3 p310), and is for 24-bits mode. Using more than 10 MIB would require many changes in the ROM and/or operating system.
The memory map for e.g. the SE/30 is designed for 32-bits mode and reserves 1 GIB for memory (DCDMF3 p342). For 24-bits mode, the MMU is setup differently to remap the 24-bits memory addresses to the 32-bits physical space, which effectively create a 24-bits memory map. That one only reserves 8 MiB for memory (DCDMF3 p350).
As for the 16 MIB limit on the 68000 due to the 24 address signals (2^24 == 16*(1024^2)), it is also a matter of design to some extent - you *can* have more than 16 MIB addressable by a 68000, provided you're willing to deal with the software for it. The 68000 defines address spaces exposed to the outside world by the FC (function codes) signals. Those can be used to distinguish the types of access. So you can build a 68000 system with up to 16 MIB for user data, 16 MIB of user program, and whatever else mapped in supervisor mode only. You probably don't want to, but you can

System with split memory for program and data were built, I own an Xterminal based on the 88000 (not 68000!) that has 4 MiB for program and 8 MIB for data. In that system, firmware load the Xserver from the network using tftp into the program area, and the 88k cannot alter it during use as it's in read-only program memory.
It's a lot easier on the 68040 than for it's predecessors to address a lot of memory, are you can store 2 bits of extra data in the MMU mapping and those will be exposed via the UPA lines. Those can be used for many things (though practically aren't, they're not even connected to the PDS slot of Quadras for instance), including as a couple extra bits of physical addressing. So you could have up to 16 GiB of 'physical stuff' accessible through the MMU. Each program is still limited to 4 GiB of virtual space though. Also, why you would want to connect a dozen GiB of memory to a 68040 is an open question
