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Is there a way to use http and https with Xenforo

I'm going to preface this post by saying I am still learning about what SSL entails, and the differences between http and https, so I will probably misspeak at some point.

My website host, WebHostingHub, charges $100/year for a dedicated SSL certificate. I may end up going that route when I have the money to do so, but in the meantime, I had a couple questions:

1. Is it better to force https for all users, or allow users the option to use http or https?

2. If I set up my site such that when someone types in "www.memeideas.com" it goes to https://www.memeideas.com, will people without https support (I imagine older IE versions or something) be able to view my site?

3. My host offers a shared SSL, but the url is different from memeideas.com. Is it possible to host the same site (users posting through memeideas.com or https://secure27.webhostinghub.com/~memeid5/), such that all users will be able to post and view the same content?

EDIT: This all refers to using a Xenforo forum, but especially with regards to #3, will Xenforo allow me to direct to the same content through http and https?