does that apply with non apple stuff plugged into it? I was under the impression that the board only uses a tiny voltage and current, whereas having a apple monitor jacked in and ect would
This I'm not sure about. I imagine it would definitely count if you had an ADC monitor attached. My understanding is that the logic board still pulls from the +28v when the machine is off. Whether it still does this without an ADC monitor or firewire device attached, I don't know. In any case it seems like good practice not to leave it plugged in when off.
I need to get a USB 2.0 card and maybe a bigger hard drive.
I think the general rule with USB2 cards it to avoid VIA chips. Cards with the NEC chipset are more likely to work without any hassle. I put a VIA-based one in a G4 some time ago and it was practically useless.