Not yet, but it's coming to Adium soon... *edit, make sure you install Growl with Adium.
iChat can do webcam with AIM or iChat (.mac accounts).
I know you're getting there, slowly but surely, but if I can offer one peice of advice. Don't try and organise photos and music in the folders - let the application do it. Everyone, and I mean absolutely everyone, who switches from Windows to Mac does this. As soon as you start trusting the software ad working with it, you'll be so much happier.
Good luck - it's great to see someone getting so much help from this forum!