Snag in x/c planning

I was going to ask my CFI these questions but I figured these groups
are so rich with information and opinions that I would start here.

I am a 120 hr PP planning a VFR X/C from Bowman field Louisville, KY
(KLOU) to Mattoon, IL (KMTO) this weekend. According to the new AOPA
flight planner (very cool, by the way)this takes me right through the
middle of a TFR southwest of the Hoosier Vortac. To complicate things
there is a restricted area smack dab in the middle of the TFR (these
are ground to... well higher than I can fly right?). My gut is
telling me not to chance being where I'm not supposed to be and make
the trip via Bloomington,IN (KBMG)to avoid any possible trouble . If
you look at the sectional there aren't too many land marks in that
area and it would be easy fly over the TFR but through the resticted
area. I have a rather old GPS on board that is very small, in a
strange place (down and to the right of the yoke), and it is as old as
dirt..no telling when it was last updated. So here are some
questions..

1)So what do you guys think? Do I fly over it? Or am I asking for
trouble? (this TFR, if I understand correctly, is from the ground to
5000 AGL). Obviously, this would be a bad place to loose the engine!

2)If I fly direct will ATC (flight following) help me stay clear or
will they let me wander into the restricted area and then say, "now
look what you've done dumbass...land and give us a call" (In so many
words) My girlfriend isn't a huge fan of small planes anyway so an
F-16 on my wingtip would be bad, really bad.

3) If I go via BMG how do I ask for flight following? I am assuming
that I just tell them that I am going to MTO via BMG at 7,500. If
this is correct and I am granted flight following am I obligated to
fly all the way to BMG or can I turn on course to MTO a little south
of BMG?

4) I have never used Fligh****ch. How do you know when to call on
122.0 and when to listen on VOR's, etc. Also what is the correct
phraseology to ask for a weather update?

Thanks in advace guys and gals!

Greg