Second, do I need to bother about .htaccess? If so are there any examples?
.htaccess can have many functions, so it depends on your needs. For any new site I start with basics:
DirectoryIndex index.php index.html
RewriteEngine On
ReWriteBase /
RewriteCond %{HTTP_HOST} !^mysite.com$ [NC]
RewriteRule ^(.*)$ <a href="http://mysite.com/$1">http://mysite.com/$1</a> [R=301,L]
That sets up a default to the index.php file first, and redirects any http://www.mysite.com to plain old mysite.com (Google doesn’t really like both, unless content is different).
.htaccess does a lot more, though, and is needed to remove index.php from the URL string.