In regards to the URL that the form is submitting to I think this is correct to post to the simulator first for testing, then to update it to the live server after you are getting success. For the missing fields what information is not included currently that needs to be present? Please post back with this info along with some details about the steps that you took while in the wizard so we can check on these things.
You need to fill in the part of the wizard for sending the email receipt to get this option, but it will not be available to you on a remote checkout. If you would like to add in the email for a remote checkout you would need to do so manually by applying it to the page you send yours users after the transaction.
If you filled in the database section of the checkout wizard and specified what tables to store the details in then it should also be storing the details of the order in your db. Do you have a specific need to use the VSP Form? In general I recommend using a local checkout like VSP Server if it is possible.
