1.) CPLoader is a security tool used to encrypt/secure your .dylib so your code wouldn't be stolen. I could explain more about it, but it's late as I am replying to your topic. There are also topics about CPLoader in the tools section, check those out.
2.) It's always best to have a computer, because how can you decrypt binaries if you don't have a computer. It's also easier when coding. However, there are some methods of cheating that does need a computer such as Mobile substrate, FLEX, and Savegames.
3.) I started learning last summer with Curry. Joined some of today's cheaters hacking sessions and learned a little from them. I don't really participate or contribute to the whole cheating scene, because I ain't that great unlike shmoo.