Nancy, I think most of your questions have been answered and I just want to put in my 2 cents....
First, there are no embarrassing questions. About a year ago I had no clue how to make something even stay on a page!!!! I took my first class then and I am currently registered to take my 3rd class here next month.....so, ask away and take a class if you can.
Second, back-up your files. I keep all my stuff on an external hard drive and I bought a 2nd one because although the materials around here are not expensive, I have lots of stuff. I also don't want to lose my pics or layouts so I back-up from time to time and certainly not as often as I should.
Enjoy, this is so much fun!!!