In regards to the pictures, it is just like when you attach a photo to an email. you upload it directly from your harddrive to theirs, it is very easy (as long as you know where the picture is saved)
Yes if there are no bid whatever price it say is the "opening" bid or the sellers starting price.
No you do not need html, you can add html but it is not necessary.
FYI Postage goes up on June 30th.