I have read a little about calculations and i’m thinking that might be the way to go, however I have never done anything like it before.
Yes, calculations will be the way to go. You'll need to learn how to do this in order to include data from your fields in your emails. How you do this could be simple or complex--depending on your database and what you need to do.
"...does anyone have a solution for the mouse scroll wheel – the way it goes through the records when you try to scroll down a page? "
Do you want to keep it from scrolling through the records? If you give a field or button the focus while in form view, the thumbwheel will not scroll from record to record.
You could use a layout script trigger, OnRecordLoad, to place the cursor in a field--but be careful that's an easy way for someone to bump a key and accidentally modify a field they didn't expect. Or you can use object info to give a button the name and use go to object in your script to give it the focus. If you're in list view, this trick doesn't work.