Understanding how Zoho works

Understanding how Zoho works

INTRO: I own a business that has 4 sales employees (including me).  I signed up for Zoho Business today and it looks great, however, I have many questions.

1- Do I need a user account for myself as well as a superuser/admin account?  Or, should the superuser account be my daily user account (use my nickname)?

2- I invited myself to join to see what will happen when my employees get their invite email.  I was surprised to see that the settings I setup for the "main" user did not flow to the new user, why?  I am attempting to use this as a portal to provide consistency to all 4 users, is this not possible?

3- Is the "Contacts" manager in the main site different from the CRM application that has to be installed?  Will all users have to install the CRM?  Can I restrict users from seeing my contacts?  As the superuser will i see their contacts?

4- I want to be able to prepare quotations online and email them to contacts.  Is this best performed from an Excel template that I upload?  Or, is their a Zoho application that takes care of this once I load the products online?

5- As in questions, I would like to prepare monthly/quarterly/annual sales forecasts for each sales person, for various suppliers, advice here?

6- I do not want to use the Zoho email service, can I remove it from the profile?  If I decide to use it can i monitor employee emails?

This will be the first of many questions, thanks for your help! Tony