ok
here's the answers to some of your questions, as I see it (please correct me if I'm wrong!!) and I'm being nice so no need to paypal me any $$ lol
to unlock your phone,
the first stage is Jailbreaking - you could use ibrickr, but you're better off using iNdependence, that's what I used. I repeat, ibrickr is not necessary for this.
I activated using the youtube point and click activation. Easy stuff.
Ok then use AppTapp installer. Then using the wi-fi install the essentials - BSD subsystem, SSH, and a few others - many threads on this site will tell you more. Otherwise just google it!

then use the wi-fi and fugu (if you use a mac) or winscp (for windoze), enter in your iphone's ip address, the default names are root and password "dottie" - and place the unlock application of your choice into the /applications directory.
then reopen iNdependence and return your phone to jail.
restart your phone and you're done! now just click the unlock GUI and enjoy your freedom.
at least that's the way I did it

- I'm unlocked on vodafone UK and enjoying my ridiculously cheap contract! (never used mobile web much anyways)
as for app and pxl files. app is the file type for the application that can run on an iphone (or mac as far as I know). pxl is a package format that encloses the application and its support structure.
use the search function on hackit0sh if you're in trouble as I haven't got the time to check this loads. oh and if you really really really want to send me money feel free to pm me!
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