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It will charge off a USB port, just very slowly. You'll get much faster charging using an AC adapter. The cradle is a separate part and isn't really necessary.
That said, if you want to find the "legit" parts use the word OEM in your ebay searches... so like:
PPC6700 OEM
and see what comes up. But honestly you could go down to Wal-Mart or Best Buy and purchase a charger that will work fine. Look for one that outputs 1Amp for the fastest charging. The USB port on your PC puts out .5Amp so that's why it doesn't charge as fast that way.
All newer Motorola phones, blackberries, even the PSP use miniusb so it should not be hard to locate an AC Adapter with a miniUSB plug.
As for the rest of your post, since you're so new I highly advise just using it in its stock state (if it's not new you may want to run the "Clear Storage" app on it which is the same as doing a hard reset (clears out any customizations and resets it to "out of box" condition).
WM6 is unofficially available (see the sticky thread at the top of thie forum) but if you're really inexperienced with Windows Mobile I would say don't rush to install that. Get to know the device first and do lots of reading here.
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