[eluser]jblack199[/eluser]
1. helpers is a simple class of function used to 'help' you do repeated tasks over and over. libraries are similar in that respect as well. models are more generally used on a per-page basis to put all your code in one place ie: login_user() function or other functions for the different pages.
2. the forums have helpers/libraries on it, but to my knowledge there isnt a master list of them anywhere.
3. while you can do things in php, using the classes keeps you with the OOP programming, and has all the data handling already programmed which means less time programming and bug tracking.
4. third party web templates can be used easy enough, since your view files have your html in it. there are ways of using a header.php, footer.php and a template.php to use the same header/footer for every page in a site.
5. MVC in essence does take 'extra coding' because of the extra files but in the long run makes your application easier to read, easier to edit and most importantly easier to fix in the end. It also makes the pages faster to load as instead of having an index.php that is say 1meg (rare but it happens), you'd have multiple files that are about 10kb in size making them run faster in the browser causing your site to load quicker.
all and all, i've used nothing to develop web applications i've also used the smarty template engine and i am not learning and using CI. While smarty is easier to learn and it keeps all php out of your html, its also bloated and makes web apps run slower and it actually uses more of your time programming and is harder to do your bug tracking. So CI or any MVC for that matter, is there to make your job as a programmer much smoother and easier to get from beginning product to finished application.