Put your heels down.
Teehhee, I'm kidding- I had to.
Your upper body generally looks quite nice. You mentioned the constant battle with your hands already. Have you ever seen a bucking strap? It's a strap that attaches to the saddle for people who fear their horses to buck. They take hold of it for more security to hang onto. I would recommend it in aim of your hands. Hold on to the strap with your reins. This should keep your hands from creeping downward. It will be very difficult to do at first, especially if you are one to have too much movement with your hands. But it is worth it, for sure. Your back looks nice and straight without looking tense. I like this and think it looks best in the second picture. And although your hands are too low, your shoulder still looks relaxed. My biggest focus is on your leg position. Your ankles and toes are fine. The other members may have been referring to your leg on your gray horse when you are applying a lot of leg pressure. Your heel isn't the problem, but rather your leg being drawn up while giving pressure from the leg. I struggle with this as well. Remember to keep your leg lengthened and your knee pushed towards the ground. This will keep your leg from drawing upward.
What kind of saddle is this? If this is a dressage saddle, I would suggest lengthening the stirrups several notches. I think you have adopted a chair seat which will cause unbalancedness. You want to ride with a straight leg going from your hip to ankle through your back in all english disciplines, regardless stirrup length. If you plan on jumping, shorten your stirrups. Whichever way, this will position you more correctly. Once you have found your stirrup length, pick up your thigh and roll it at the joint inward. This will place your inner thigh on the saddle and will avoid toeing out. I think I see it in a few pictures. That's a big weakness of mine. All in all, you look like your doing very well. I would like to mention the draw reins quickly. I'd love to see you loosen your draw reins about 8 inches or more. She is far past the vertical which you mentioned because she ducked inward. However, remember to allow slack in the rein for them to learn. If she ducks behind the vertical, there should be even more slack then normal. I understand the use of draw reins and am not discouraging them.