Is TIFF the Tops?

Excuse my ignorance, entirely new to digital cameras/PC - using borrowed DSLR.
Anyway, assuming I'm shooting RAW, once of the memory card and onto the PC is TIFF the format I should be converting to/saving as for possible future adjustments/cropping/printing?
Also, hopefully getting own PC next month (using sons at the moment, when available), which application would you people recommend for a novice user. I have been using Photoshop CS, but feel it is beyond my skill and pocket.
Anyway, assuming I'm shooting RAW, once of the memory card and onto the PC is TIFF the format I should be converting to/saving as for possible future adjustments/cropping/printing?
Also, hopefully getting own PC next month (using sons at the moment, when available), which application would you people recommend for a novice user. I have been using Photoshop CS, but feel it is beyond my skill and pocket.