Just a quick update.
2) The gears seem wrong. I only ever use the big cog at the front and there are time when I could use just one more gear, this is crazy in a bike that sports 24 gears. (Top speed seems to be about 20 mph)
Doosh & Biggsy are right. It's a question of getting used to pedalling faster. It feels wrong at first: you want to push harder to speed up, but you'll probably find you actually go faster if you pedal a lower, easier feeling gear at a higher cadence. You get used to it quite quickly.
I think your top gear is as high as any I've ever had. I've pedalled at over 30 mph on the flat in (slightly) lower gears. The limiting factor has always been my body, not the gears.
On the ride I was on last night, someone had a gear cable problem. He gave up trying to fix it, & just used his small front ring, which is a little smaller than your middle ring (34 vs your 38T). His rear sprockets are 11 to 25 (I know because we discussed the gears he would have with only the small chainring). He was able to cycle at 20mph on that.
With your gears, I'd expect to spend time in the middle ring anywhere that isn't flat, & use the small ring on serious hills. You'll find it easier, & you'll probably go faster, if you use the smaller chainrings when you're going uphill.