What is the best way for me to allow visitors to my website(s) to create their own email addresses? Free or otherwise. . .

By purchasing the World Wide Messenger (http://www.worldwidecreations.com/world_wide_messenger.htm).

OK! Great. But I'm pretty stupid. What skills do I need?

Well, stupid is as stupid does I guess. :)

You will need to know how to use FTP, and a general knowledge on how to install CGI (perl) scripts.