Welcome!
Here is a post we made recently for new users, and it has links to some guides (infographic style)
https://lemmy.ca/post/39167034
The 'detailed guide on how Lemmy works' goes over the local vs federated communities, and I think the visuals help with understanding that
There's also a guide for the apps, but the short answer is that there are so many apps because it's very easy to make them. It's all open and the platform is designed to make it easy to connect to. My advice is to stick to whichever app you feel comfortable with, and then if there is a feature you're looking for then you can post about it in !lemmyapps@lemmy.world. That way either someone can tell you about an app that has what you want, or the various developers will get your feedback and start working on implementing it.
As for what an instance is, see the 'quick overview of the fediverse' guide.
~~For photos, I'm not familiar with lemm.ee's policies but it could be a bug? We don't have as much of the "account must be X days old to participate" type stuff here~~. You can also always upload to Imgur or Catbox and link the image.
Edit: my bad, I see the note about lemm.ee's image policy. The Imgur thing should work in the meantime
Hopefully that helps, and I'm happy to answer any follow-up questions :) Especially if there's something confusing with the guides, so that we can improve them