I have been flying MSFS2004 for about 7 months now. Due to having a family and a full time job, I don't get to put as much into it as I would like, but I am learning a lot, and finally feel that I might be able to try to jump onto a multiplayer server for a bit of fun. However, there are some questions I have.
1) How is chatting handled? I know a lot of people use TeamSpeak or some other voice chat option, but that isn't an option for me. Let's say I'm going to come in for a GA landing at a small non-towered airstrip. What do I do to announce my intentions and let any nearby pilots know what I am doing?
2) I am sure it most likely depends on server, but how "real" does everything have to be? Will I be expected to hold very specific entry patterns, fulfill all ATC communication obligations, etc? There are most definitely many aspects of real flying that I do not understand yet. I definitely look at this as a simulator and a learning experience, but my main objective is the fun of flying.
3) How would I know where other pilots are? Seems like with the whole world as our playground, unless thousands and thousands of pilots are logged in, that it might be rather difficult to find people flying near you.
Any other input and advice would be greatly appreciated. I hope I don't come off as too noob'ish or anything!

Thank you!