1) yes, you are allowed to give them the option to start them from scratch themselves or you can start them for them and then give tell them they must change their password XXXXX even set your software to tell them when they log in after so many log ins under your password XXXXX they must change it to continue.
2) You are allowed to set up samples and give them the right to use the samples. The toolbars you have to be careful with in case they are copyrighted and you need permission of those who own the toolbars to use them on your site and same with the plug ins. You can make them available to them and inform them of which ones are free to use and which they need to pay for a license to use and that protects you from copyright violations.
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