The DbIo gives you the opportunity to import and export all database fields for a product. If you've installed the MSRP plugin, for example, any additional fields defined by that plugin will automatically be available for export (and import).
If you create a database field for the dealer pricing, you can manipulate the value using the DbIo but you'll need other code modifications to actually use that value for any display or processing.
Regarding the images, you'll need Image Handler 4 to manage the various sizing of those images. Zen Cart uses a base image name (recorded in the database) and then looks for that name in the various folders; IH4 extends that processing.
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