First off which RIO player do you have??
Do I need a firmware update?
Its a good idea to have the latest firmware for your RIO player for the obvious reasons (bug fixes, new features etc).
Then, is there a certain program which loads the files, but the third party stuff just is a different GUI for it?
The Thirdparty stuff I have found, like the RIOSuite mentioned above, seems to still require the "official" RIO software.
You don't need the "official" RIO software to for the third party stuff to work - however you will need to download the stand alone RIO driver (download from RioWorld link above). Y'see the official software installs the driver but if you don't install the official software you wont have a driver, so therefore you need the standalone driver.
The third party apps are full utilities, they are not just GUIs.
What you need to do...
1. Uninstall the official software if you've already installed it.
2. Download the relevant driver from RioWorld
3. Apply the latest firmware
4. Download third party app (I recommend RIOSitude which is freeware, linked above).
And, one of them is asking me for a registration number?
Don't know which one you are using there - RIOSitude doesn't require anything like that, however certain third party apps are shareware as opposed to freeware.
Hopefully one of you guru's can explane this to me, thanks.
If you need any more advice, PM me.