Good questions... which may go to support the psi/rpm rule of 10psi/K if my memory serves me correctly.
It takes increased energy/effort to pump a fluid that's generating any kind of backpressure, but for the most part the side effects of such are to be noticed as decreases in fuel mileage.
The lubrication system in an automobile engine (as well as many others that involve pumps) if you will recall, has a safety valve in place which would prevent excess pressures from building, thus preventing excess mechanical loading to the pump's drive mechanisms...and this device is more acurately refered to as a pressure relief/by-pass valve. Such valve failure appears rare, and if anything, might be stuck in the open position. I haven't had any such experience.
As far as the oil, well more energy/work is being applied to it, and of which results in an overall increase in oil temperature (if but a few degrees), and a favored condition for fluid shearing I suspect. Because the oil has a relatively short stay within the engine, these conditions to are of little concern.
Again, oils are tested and certified for the vehicle user to make things understandible. And in matching the codes along with the vehicle's recommendations per owners manual, it's almost "user friendly".
If further curiosity and/or doubt remains, install an oil pressure guage. In the two cars that I've owned, I've done just that, and discovered marginal pressures on one, and rather high sustained pressures on the other. It's all another way of keeping tabs on the condition of things as far as the engine and lube is concerned.