1) Home won't be out until October.
2) Nothing fancy. But you can always check what each firmware does on Sony's site or here. The biggest firmware fix was that PS2 games now don't look terrible on HDTV sets.
3) Backgrounds will appear in an upcoming firmware. I predict withn the next two.
4) You'll discover them on your own. Don't be afraid to experiment, you can always reset the PS3 back to its original setting.
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