1) It's recommended not to disable WIFI unless you have a real problem. If you disable WIFI, your phone will try harder to look for and transmit 3G signals, which drains your battery faster. It is recommended to disable 3G, though, where you have bad signals (less than 3 bars).
2) Closing down apps using task manager: YES! (big yes)
Contrary to belief, Android apps DON'T automatically behave. This is not the developer's fault, but rather... it's Google's fault for using Java, which, by default, relies on a garbage collector and does not allow developers to manually kill things. The most a developer can do to ensure their app behaves well is by constantly calling garbage collector, but Google advises against that because it reduces performance (it actually does).
So it is best if you manually close down your app when you don't use it anymore. Otherwise, it will just sit there until Android decides to collect it... which... may happen randomly at any time. And when it does, the performance of the phone will come to halt momentarily depending on how large the app (or apps) was.
Alternatively, as suggested, install watchdogs or monitor apps that will periodically or conditionally close down tasks and processes when it deems that you have not come back to those tasks and processes for a long while. They usually (or hopefully) do that when you aren't doing anything intensive on the phone, thus you won't experience bad performance.