Hi Catherine,
Go to the "special projects" section of the forum and look at some of the past card swap threads to give you an idea of what people do. There is no one "right" answer to most of your questions. In case any other newcomers are thinking about joining the current swap, I'll try some answers here:
1. Store bought cards are fine. I am not a scrapbooker either, although I have made some fairly simple cards using stickers and other supplies I got at JoAnn's.
2. Yes, if you do an insert it can be typed. Some people handwrite each one, but many people type them. You do not have to do an insert. The insert allows you to leave the card blank so that it can be re-sent to someone else by the recipient. But some people write right on the cards.
If there are 20 people in a swap, then everyone sends in 20 cards, and gets back a packet of 20.
3. Again, no right answer, but I think it is easier, in the swap, if you do the same thing 20 times. So, if you are sending a blank card with an insert, do that 20 times; if you're sending a card you sign right on the card, do that 20 times. When you re-send the cards to your own "contact hero" you can always include a few extra blanks for them to share.
4. Not sure what you mean here. Some people include inserts in addition to the "letter insert," such as small puzzles or postcards. When you re-send the cards to your contact heroes you can choose to include other things, such as food items or little gifts. But if everyone does that with 20 cards, the swap will get expensive, and will be hard to sort out and mail back. (For example, some people like including a piece of candy in a Valentine, but if everyone did that it would be very hard to mail 20 Valentines in a single priority mail envelope.)
I think the really important thing to remember about a swap is that it's a way for us to spread the support around - that our contacts will get an envelope or small box with good wishes from people all over the country. Whether it's handmade etc. is secondary.
Hope that helps!
Barbara