Correct, though I recommend following them anyway because it will help to get into the habit of having an eye for the safe zone and the bleed areas.
Not a stupid question at all! CSP has various options available for paneling. If you look in the presets you will find some templates:
You can also manually create panels by going to Layer --> New Layer --> Frame Border Folder.
Then use the Frame Border Tool and select "Cut Frame Border". You will have to adjust the vertical and horizontal gutter size to your liking. Horizontal should be a higher number than vertical. It's just the standard, but the actual sizes can vary. Then you can use the tool to slice across the frame and divide it. Hold shift to keep it perfectly vertical or horizontal.
I would explain more but gotta run as I'm late getting ready for work. If you have more questions, let me know and I can answer after!