Why the different speed limits at different locations? Didn't there used to be one where the WCML crossed the Manchester Ship Canal?
I suspect there is no good reason for the ultra-low limits across the Caledonian Canal.
A speed limit of 5mph would be (and indeed is) a major hindrance for train performance, and outside depots, would usually be imposed in exceptional circumstances only.
I can assure you that there must be a very good reason (or multiple reasons) for that limit at Banavie. In fact, having been on a 156 a few times over that bridge, sometimes it doesn't even feel like it can properly handle that much.
Selby swing bridge has a speed restriction of 25mph - though that's mainly for the freight trains, as passenger ones will be significantly slower due to having just set off from or just about to stop at the station platforms.
I'm surprised that stock would not be otherwise capable of entering or exiting the platforms beyond a speed of 25mph. Many trains regularly enter and leave stations above 25mph around the country, especially at stations with longer platforms, where it would be silly to crawl along until you got to the stop markers or signals. There are also 20mph limits at a lot of termini, which trains would theoretically be able to exceed by at least 10mph if unimpeded.
Britain has its own 25kV electrified swing bridge at Trowse, Norwich, though it's single track and I gather it hasn't been opened to shipping for a while. A rigid overhead conductor is used over the bridge.
I visit that area at least a couple of times a year and have been over that bridge (and the moveable road-over-river bridge on the A147 near the stadium) enough times to be disappointed to have never seen it open!
However, I was once on a train which was delayed because (if I remember correctly) the signalling system thought it was open...