(I apologize ahead of time if this is disjointed...I am at work, so my attention isn't on everything 100%!!

)
Well the first place you are going to want to start for freeware is this site right here:
http://www.pocketpcfreewares.com/en/index.php
There is SO MUCH STUFF on that site you may never pay for much software again!

Also try freewareppc.com (there will likely be a lot of overlap between the sites but sometimes looking on both is helpful!).
As far as a Calendar program, I am addicted to Pocket Informant. I have tried both Agenda Fusion and Pocket Informant (the leaders in PIM for PPC) and I love PI. It has a great weekly view, really configurable with different styles, etc. I cannot express my love of Pocket Informant enough.
There is a HandyShopper in development for Pocket PC! Go here for the alpha download...
http://chrisant.home.comcast.net/hs3/hs3ppc.htm
As far as a listmaking/outlining program, I highly recommend and suggest ListPro. It's worth every penny for how incredibly cool it is. You can pretty much do anything with ListPro. It has a PC version as well...I also like PhatNotes-type programs for storing tasks, todo's, notes, etc. all in one place. A good piece of freeware is BizOrg
http://www.bizon.org/bizorg Noterriffic is also good, and has a desktop component as well.
http://www.freewareppc.com/database/noterrific.shtml
BitsInside is a good Explorer program (Resco Explorer is the best, but not free)
http://www.freewareppc.com/utilities...explorer.shtml. Total Commander is also great.
http://www.freewareppc.com/utilities...ommander.shtml
Check out Pocket e-Sword for all your Bible needs...it rocks!
http://www.e-sword.net/pocketpc/
You are going to want to invest in a card reader--seriously, the difference is amazing when writing files that don't have to go through Activesync.
RE: Closing an app, there are a number of utilities out there to download that let you actually close a program with the X. I highly recommend SPB Pocket Plus, which also gives you cool stuff for your Today screen, etc. It's an awesome program. But if you don't want to invest (which I understand) there are lots of free utilities out there...PocketPCFreewares will guide you in the right direction. So will I, if I can remember all the cool stuff I've downloaded for myself.
Hope I have helped some. I'll write more later when I'm at home.