Sirius, good choice for finder aligning.
Telrads are either a love em or hate thing. I have used one but gave it away as it dewed up very easily and craning the neck is a pain. Some use them very succesfully with no other finder but I only used them to sentre on brigh naked eye stars then use my main finder to star hop. One advantage to living in the bush is green lasers are a bit less obviou here so I prefer that to a Telrad, but in the city it may be you best choice.
A comment on collimation. I was reading another guide today (see here
http://www.garyseronik.com/?q=node/169 ) which has a little FAQ section that explains what collimation achieves and puts things into perspective. The lesson is that a scope that is a little out will still work OK, just you may lose a little light and get more aberrations. But perfect collimation is not such a big deal (at least for visual observing).
And a further comment on goto. Many think that Goto will solve all their issues with finding objects. IMHO it is often a false economy. In mosr case you still have to align the scope each time you setup which requires some basic knowledge of the sky. I found when I used a goto for a little while I spent more time fiddling with aligning and setuo than actual observing. I would setup, do the alignment, then slew to some bright familiar object, not be happy with the accuracy so start again, make a mistak, start agin and 45 minutes would go by and all I have seen are a couple of alignment stars and one bright object. In that time I could have nabbed 5 or six objects with my dob!
Also with go to you are trading aperture away for electronics.
This is not to say that goto has no uses, but it is not a panacea.
Anyways, glad to hear you are persisting with the dob and making progress!!
Malcolm