Hey Justconfused!
First of all ... Welcome back!
I'm a newbie to all of this, and I was pretty confused with it all at first, too. I had to watch the tutorial videos several times and experiment with low-level toons and their ini files. I copied them over from the ini library that is here in the resource section on this site. I just kept playing around with them until I dreamt about it. At first, I was very intimidated by the ini files and all the coding. But, I just studied a lot of different ones over and over again.
Eventually, I started looking at higher-level ones and contrasting and comparing them to each other. Now, I can get a group of 6 toons that are all 115+ together and make mayhem. I'm still learning and I'm far from being an expert, though.
Don't be intimidated like I was at first with the coding. Trial and error with some level 1 toons till you get it down. Ask questions and get on the Redguides discord channel. Ask some more questions. Everyone is so helpful, and they don't mind what you may think of as silly questions. Watch all the videos you can and make merry.
The bottom line is to have fun with it all.