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Package Included:
Through Desktop Manager that came with the phone. You will be adding media, not applications, so be sure you have selected media. It is done with a program called Roxio. When you connect you Pearl to he computer you should be able to see it listed under my computer when you open that folder. From there you can open the BlackBerry drive, find the media card, open the music file (or create on if the isn't one there already), and just drag and drop the files in there from your music folder.
You can send the picture via bluetooth or you can send your friend an email with the picture attached. If you have MMS then you can send it in your text message which will also carry pictures or audio.
If the phone is in warranty you can get it replaced for free, provided they accept it as an in warranty replacement. If you pay for insurance, they'll replace it as long as you provide the broken smashed phone for them to show to the insurance company and get reimbursed for.