so.. I paid $30 to get "forum system" added to my site.. and it looks like I can't even set up different forum folders. I realize they use a thread tag system or something, but how do I just get the typical forums up? so many guild sites offer this service for free.. I guess i'm confused about what I just paid for.

I want the usual forums. That's where my guildies will feel comfortable. Please advise!

I'd like to refer you to About Our Forums, which describes what's going on. It also describes "Classic Mode" which is sounds like you're looking for.

The brief description is that thread tags ARE categories (or folders). You get that "Folder View" by clicking "Classic Mode" at the top of your forum.