Dwayne,
I'm going to give you some honest, down-to-earth, possibly brutal advice here. Instead of wasting your time and energy worrying about how you're supposed to write your characters/plot arc/descriptions/story, just sit down and write it. Stop obsessing about the details. Stop second guessing yourself. The reality? There is no 'right' way to do all of these things. Only the reality of writing matters, the actual placement of words upon paper in such a manner as to relate a story. Once you've got your story on paper, go through and clean up the technical stuff--the typos, the grammar, the spelling. Put it in a desk drawer (or a document file) for a few weeks. Leave it alone. Then, sit down and read it all the way through--just to see if it entertains you, engages you, makes you care about the characters. Once you've determined that, you have two options--either get to work revising and refining the story you have or chuck it into the trash can and rewrite it from scratch. Either way, your characters/plot/conflict/story/descriptions aren't going to be perfect on that first go around or probably many of the subsequent drafts. Creating a full-fleshed, 3-D character in a well-told, thought-provoking, entertaining story is a long process. Every draft you write layers more credibility and emotional depth to your characters and enhances the details of the story.
No one here can give you a blueprint for how to do these things. You have to learn how to do it for yourself, in the style and manner you are most comfortable with. This isn't something that can be taught, per se; it's something that develops just as you develop scope and style as a writer. Sure, we can sit here and tell you to give your character quirks, to give them a realistic history that results in their loves/fears/likes/dislike/challenges or whatever, but until you put your fingers on the keyboard and start writing, it's nothing but a bunch of inexplicable advice.
Do yourself a favor, dear: just sit down and WRITE. Have confidence in what you're doing. Tell your story. THEN, after the first draft is over, have the courage to sit down and honestly analyze what you've written. If you can manage to do that, you will discover that you don't need all of these instructions.
Just tell the story. The rest will take care of itself when you're ready to revise. Instead of strangling yourself with these nebulous rights and wrongs, toss those doubts aside and get down to the business of actually writing. You'll be glad you did.
Trust me.
Best of luck!