Troy,
Let me try to address your questions one at a time.
when I turn off DHCP on the router and let SME takeover, will wireless users with XP Home still be able to access the internet? I know they can't log into the domain but will they still be able to get a connection?
My understanding is that if you have PDC enabled, all clients will have to authenticate to the server before getting access to the network. I believe XP Home does not allow that. You would be OK if PDC was disabled.
what do I need two NIC's for?
There are two ways to configure your network. Option 1 is to have the Linksys router attach to the Internet and act as a gateway/firewall. Option 2 is to have the SME Server attach to the Internet and act as gateway/firewall.
If you select Option 1, the SME Server needs to be in 'Server Only' mode behind the Linksys firewall. In this configuration, you only use one NIC -- to attach the server to the LAN.
If you select Option 2, the SME Server needs to be in 'server and gateway' mode. In this configuration, one NIC attaches to your Internet connection (DSL modem or whatever) and the other NIC attaches to the LAN. In this configuration, you have no cable connecting to the WAN port on the Linksys box. It is acting purely as a local router/hotspot.
If you want a publicly accessible web site in Option 1, you will have to forward the appropriate ports on the Linksys box to the SME Server.
Someone else may have better information, but it is my understanding that to get full use of the VPN capability you may want to be set up using Option 2. I believe that various Linksys routers support only a single VPN session at a time for pass-through. (I may be wrong about that.)
Hope this helps.
John