Great info and good start on this.. Some comments.
GMRS requires a license (at least in the US):
http://en.wikipedia.org/wiki/GMRS
For Arizona I can only really speak for the AZFJ.ORG folk:
HAM: we mostly use 146.46 for simplex and different repeaters depend on where we are.
CB: 16
FRS: no one in our group really uses this (most use CB)
Repeater use (work in progress but this is my first draft):
My only experience is with 2m/70cm repeaters. This information may not be universal to all bands. A repeater is nothing more than a echo of your signal. In most cases it is used to gain further range than you would normally have under your own power. There are many other features of repeaters, but you must access them first before you can use those. There are three things you need to know to use one. All of these should be listed under the repeater you are trying to access.
1. The output frequency
2. The offset
3. The access tone (PL Tone)
1. The output frequency
In your local repeater listing you may only see one frequency. If you do, it's the output frequency. This is the frequency that you will listen on. Anything that the repeater broadcasts will be heard on this frequency. This is what you set your radio to. It's not necessarily the same frequency you will talk to the repeater on. That's where offset comes in.
2. The Offset
This is the offset from the output frequency you will use to access a repeater. Most radios are preset with common offsets for particular frequencies and do not need adjustment. However there are repeaters that will use no offset. They will transmit and receive on the same frequency. When reading repeater listings you will see these denoted by a plus, a minus, or nothing. Your radio should have similar markings. The amount of offset (bandwidth between input and output) should not need to be set. So all you really need to worry about is if the repeater is a positive, negative, or zero offset.
3. The Access tone
Repeater access tones are used to make sure that signals do not get inadvertently repeated. If your station, (your mobile, base or handheld) does not transmit the tone when you key up (push the mic button), then the receiver of the repeater does not hear you and will not be usable by your station until you set the tone in your radio. They can be called pl tones, CTCSS tones, and other things. The only you really need to be concerned with is the actual frequency of tone that the repeater listens for. Their is a common list of tones so you should start seeing a pattern with most repeaters after you use them for awhile. This is something you will need to know how to set on your radio. It should be listed with the repeater listing. There are some instances where repeaters do not use access tones, but with the popularity of 2m/70cm bands these days they are much more rare.
Hopefully that's straight forward. If there are any questions about it, let me know and I'll modify it so it's more clear. I tried to leave out extra technical details that are unnecessary to simply get up and working on a repeater. Fortunately most radios will already have the correct offset set when you tune to the repeaters output. So all you really need to know is the access tone.