You're welcome :) I'm honestly not sure if point-and-click games would be possible to make in RPG Maker, even though it is possible (and pretty easy) to find and incorporate scripts that allow mouse controls. It's definitely worth a shot, though!
Hmm... honestly, that's a hard call. I'd recommend either VX or Ace, because they have a ton of tutorials, scripts, graphical and musical resources that you can find on RPGMakerWeb's forums for free.
MV/Z don't have as much available and a large chunk of plugins cost quite a bit (Yanfly and VisuStella seem to be extremely popular, with the latter being costly.)
XP is very good, it's not hard to find resources for and has a large number of tutorials as well. The deciding factor, I think, between it and VX/Ace would probably be what visual style you prefer. XP is more detailed and has larger sprites, but the mapping isn't quite as easy as it is with VX/Ace.
Even though I started with 95, then moved up to 2K and 2K3, I'd say to dabble in the oldest trio once you've managed to get your toes wet a bit. The three of them are easier to use, but limited, so it would help to have a little experience with the series as a whole before trying to push those three, which you would need to do, with their limitations.