You won't be able to install a style without server access. Most styles come with a bunch of images and you need to have server access in order to upload those to your site.
As for the templates and adding in new stuff for mods, you should download the mod and read the install instructions. Usually there is a text file that outlines all the template edits you will need to do.
What I do is have a main Layout style (not available to public) and then under that, I have several styles where there are only Main CSS edits or minor template edits. That way I can do all template edits in Layout and the edits are inherited by all the child styles.
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