How do I determine when I get charged for using the internet on 3?

As far as I can tell:
1) If you simply access the 3 website and check your account status or read
the news it is free.
2) If you select a download link, it tells you how much it costs to
download.
3) If you surf outside of the 3 website, it costs just like downloads in 2).
4) If I download email, it costs like in 2).

Is this correct?

I am assuming that you can do 3).  Basically, I have a Motorola V3X and once
the software is installed, I can click on Connect To Internet using the
Motorola Phone Tools.  What exactly does this enable me to do when it
connects?  I think it connects at about 112K.  I assume that it just gives
me an open internet connection?

Thanx

AMO