All programs are in the Applications folder. When you've got a Finder window open (When in doubt, click on the Mac face in the Dock, a Finder window will pop open. You can also double-click on the hard drive icon.) along the side of the Finder window will be an Applications icon. Click on that, and either an Office icon or a Word icon should be in there.

As for the Widgets, well, those can be pretty dorky. I have a few that are useful, like one that tells local gas prices, a weather one, and a sudoku game. If you don't think they're useful, don't bother with them. They certainly aren't mandatory, and frankly, most are pretty dumb.