Apologies complete n00be Q coming up

. As ive never used the net on my phone, if i had an n95 contract phone, and used wifi in town etc (or at home wirelessly), I would be charged? How much? Can yyou just use it for hotmail, viewing web pages is poor? And if I d/l Route 66, Ive heard I would have to pay to use it, unless you d/l the maps to your pc and then onto the phone?
(sorry, ive only ever used a phone to call, text and listen to music in the past)
Any any places offering free consoles, etc if you take a contract out with them, I take it they don't like to shout about it.