Hello and welcome to you and your Lumia 1020,
To answer some of your questions:
Customizing live tiles: this may help
To learn what to do with your RAW files, read the following:
Shooting in RAW with your Nokia Lumia PureView Camera | Windows Phone Central
As far as suggestions for apps: first, if you're eligible for a $20 voucher to the windows app market you should get that sent off. Then, here are some of the apps I've got: Fotor, WPCentral, Amazing Weather HD, Phototastic, Nextgen Reader, Music Import, YoutubeHD, 6tag, 6sec, 6snap, cool tiles, sozoom, Fantasia Painter and proshot