Questions:
1) My understanding is that MM only uses ONE POI file (the one you define in the settings). When downloading more .loc files and converting them to .db files is there any way that these files can be combined? Right now I have to change the POI file every time I want to look up another geo-cache location. I'd love to have a POI file that contains a lot of them.
GeoPoi application is able to add pois into an existing Maemo Mapper database. Geopoi and its command line version called gpxtractor can read .loc, .gpx and .csv files. Gpxtractor is distributed with GeoPoi which is available from Extras Repository.