Okay, so I think I have the answer to #1... I was confused on the use of To/From fields because there is a screen shot in the help manual on the import page that seems to show "type" data in the "To/From" fields, but now i see that most of the other screen shots show what I would consider normal 'payees' in the "To/From" fields, which is what I thought in the first place. I also see where in the import dialog I can map "Names" to whatever and "Payees" to whatever.
Apparently Bank of America, MA, does not populate the Payee field, but does populate the "Name" field. So, if I map the Name field to To/From, I should basically be good to go, except that many of the names are still not too readable and are prefixed with labels, etc.
So -- anyone have any suggestions for my other two questions?
I also had a question about how to edit categories, but I found that answer in these forums. I'm not sure it's intuitive to 'edit all' accounts to find it, but I found it

Thanks!