1. We can't really tell you just from this information alone. However, it costs money for an SSL certificate, so you'd probably know if you were paying for one.

2. You'd upload them over FTP. HTTP and HTTPS aren't built for transferring files.

3. During your installation you'll be asked if you'd like to use SSL. If you say yes at that time, then your config files will be edited appropriately. If you don't have a certificate at that time and install one later, then you'll have to edit the config files. This is simple though.

My advice, go ahead and install without SSL for the moment if you're eager to get started designing. Before you get serious, though, find out from your host if you have SSL, and if not how to get/install it. Then come back for directions on how to set up SSL post-installation.

I hope this helps,
Joe