regarding connecting the camera directly. - our olympus does that, its really not a problem, you just plug one end of the wire into camera, other into pc and bingo, new drive appears on pc that you can drag / drop files from.
regarding what memory card type - it dosent actually really matter, its how the card is formatted that'll affect linux compatibility, but bear in mind how the card is formatted is usually linked to the camera, so *that* is what you need to check. Usually, if its FAT32 formatted, you're good to go (fat32 is a windows format, but linux can read and write it a-ok, usually out-of-the-box, as that's also what many usb pen drives use).
If the camera does not directly connect, then yes, as stated in above post, you need a USB card reader. - Most do 8 or so types of cards and are very cheap.
regarding megapixels. a megapixel is one million pixels. How many pixels in an image ? well... that depends how tightly you pack 'em in ! - to give you some idea, most computer monitors use 1024x768 or 1280x1024 or so. Which is 760,000 and 1.3 megapixels, respectivly. Now, if you look really close at your screen, you can see those pixels.... but then its a bigger picture than a small photo in your hand. - Net result, the number of pixels needed depends on the quality of the image, *and* how big you intend to blow it up. But 5 megapixel will give you very respectable and usable photos.
hope that helps. If you have further Q's, pm me, ill see if my wife can help (she used to work in jessops and knows more on the topic than i do) were away for the next week though