This is a write-up of a talk given at the Opava RAGtime meeting in 2011, but it has been updated to include some subsequent related developments. The talk focused on discussion of some aspects of black hole and cosmological horizons under rather general circumstances, and on two different topics related to formation of cosmological structures at different epochs of the universe: virialization of cold dark matter during standard structure formation in the matter-dominated era, and primordial black hole formation during the radiative era.
