Hi! Welcome to AO.. but more importantly AOU *grins*
Well, just like when you distribute IP in your skills window (U), when you put in a new implant your skill in this user interface will change either up if you are putting an implant fresh in.. or down if you take one out. This works as well for if someone buffs you with a nano program - any modifiers to your skills will show as a change in number in this window.
If you would like more information about Implants in general - and how they are made, you are welcome to check out Hahnsoos really extensive guide here
Engineer healing capabilities...
I really have no idea at ALL about engineers - all I know is that they are really good at making things and they get cool bots to follow them around. Some engineers are not so good with screwdrivers and break Organisation HQ doors - please be aware of this matter if you are in an organisation with a city.. or are thinking of joining one *grins at Virta*
The third thing
I would guess that whoever you spoke to probably spoke to you at length and gave you some really good advice - thats probably one of the best things about AO. There are so many wonderful people in the AO Community who will take a lot of time out of their normal play time to help other people, especially newcomers to the game to explain some things and help them get started on their way.
I understand that maybe by suddenly getting 2m credits you may feel that as you didnt earn it yourself that you are perhaps "cheating" the game - but honestly, in my opinion dont just throw it!!
AO is a steep learning curve so maybe you could use the credits to help you learn more about tradeskilling. Learn about implants and armour crafting - check the classic AO knowledge guides (linked on the left).
Hope that was all useful advice.. or hmm ramblings!