again, I have to come back to the question, which gateway process are you using?
For sage pay it will be one set of instructions, for paypal standard it will be a different set of instruction and for Express checkout, it will be yet another set of instructions due to the differences in the ways these checkout services work
To be honest, I thought this was supposed to be a complete cart solution for novices like me that would create all these elements from the wizard 
There are two differant types of checkout methods:
Local Checkout - this is where the user enters payment information on your site
Remote - This is where the user is directed to the gateway to enter payment information.
Payments Standard and Sage Pay Form are both Remote services, the draw back to a remote service, is that you need to rely on the gateway for things like sending the receipt email
using a local checkout service (PayPal Payments Pro or Sage Pay Server) The wizard will configure Universal Email for sending the receipt. I understand the draw of using a remote system (Cost) but the development for using a remote system is much more complex.
I always recommend using a Local Checkout method, it may cost a little more, but you get what you pay for.
It is _possible_ to have email receipts using universal email with the remote payment services, but it is by no means simple.
