Help - Contact photo/placeholder

I've had the Eris a couple of days (returned Droid) and I have read all the forums and the 250 pp manual.

1. I am 81 y.o. and have no interest in social sites, etc
2. Can I get rid of the photo placeholders, or at least replace with pix such as the "Droid" as shown in manual?
3. Cannot find a way to add a photo to contact from phone sd card. At first there was a choice of albums or camera. Those options are gone now and only Flicker and Facebook show up.

Thanks in advance. Bill