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Thanks for all the replies! And thanks for those of you who had no trouble telling me like it is.
I had already searched the FAQ's and the forum and hadn't found any help, so I chatted with my web hosting companies online helper on Yahoo Messenger.
In about 10 minutes I had downloaded FileZilla and was uploading files that I was able to link to in the Downloads module.
I guess I had really been spoiled using a site-building program before that really didn't expect you to learn much of anything. But I have enjoyed learning the basics I hadn't known before, and I am very pleased with the results of the XOOPS site I have created so far. My dissapintment has turned to satisfaction! It really has let me do all the things I wanted to do.
Thanks again.