I’m not entirely sure I understand your first question, but it sounds like you are using the slip tool, so FCP is showing the in and out frames of the clip on the timeline. This is fairly handy once you get used to it. You could double-click the shot back into the source window and scrub thru it there, but you won’t be able to modify it past in or out points previously selected.
Question two: Instead of dragging shots from the source window to the the timeline, drag them over the “canvas” and hover a moment. Options will appear to do either insert or overwrite edits, with or without transitions (and some other options.) If you want to do an insert edit with transition, drop the clip into the appropriate box and the shot with transition will be added at the cusor position or in point.
Or…mark your clip in source viewer, hit F9 for insert, shift-F9 for insert with transistion, or F10/shift-F10 for overwrite edits. There’s a place to change the default transition, but I don’t recall how at the moment.
Don’t get me started on what a pain FCP can be. Vegas spoiled me.