Wow, thanks for your quick response Sayontan. Yes, that clarified everything. The templates are for use with pages... of course!
I had every possible option selected when I created the page, and, needless to say, it was quite full. I will have a great time playing with it.
And as resistanceisfruitful pointed out, it can then be made the homepage; which answered my next question... having categories set as my navigation, there was no actual Home link on the nav bar (of course you can click the title in the banner but...). So I assume if I set the nav bar to put one tab up for pages, and direct it to the magazine page it will then display as a Homepage link on the nave bar
Now my question is, if I title the magazine page "index" will it be picked up as the home page of the website url, or will the php main wordpress homepage override that?
Ahhh, so much to learn.
Your awesome Sayontan, I wish you the best of luck, and much success; and will kick something back to you if I ever start to make any money off this web stuff. You have made it a much easier experience.
And I echo what resistanceisfruitful said on the wordpress forum, it is hardly like me to lavish this much praise on anything.