You do need to set up the BIOS settings, but there's a setting for "Set BIOS Defaults", which usually sets everything to safe/auto settings. You probably need to set the time/date as well. It's not difficult, although it may be slightly intimidating to someone that's never messed with it before.
Edit: You don't set up C: and partitions from the BIOS - you do that later, when you have all the hardware assembled and booting. You generally boot off of a floppy, or an OS installation CD (for WinXP, etc.), and then it will guide you through and prompt for creating a partition, formatting it, installing, etc. It's pretty straightforward. Just read carefully and follow the steps.
Edit 2: For the record, I did put a minor scrape in my Socket-A mobo, when
removing (not installing) the heatsink clip, to re-apply paste and clean my CPU fan, after my temps started to rise 8C about 1.5-2 years after the build. I *hate* those darn single-prong Socket-A/370 HSF clips.

The Intel Slot-1 CPU retention mechanism was far better in comparison. Thankfully the mobo survived, but I was kicking myself for being slightly careless about it. Installing it is a bit easier though, just make sure that it is properly oriented, and sitting flat and evenly on the CPU core.