Found comments on this forum which were very helpful: Garmin POI's for Newbies.
On Garmin Custom POI with a fully deleted area I created POI files on the computer by downloding selected categories and put them in a Name folder E.G. "Road Safety" "Education" "Shopping".
Using POI LOader all the categories now are in the named folders - GREAT!!!
I included the .gpx .bmp and .mp3 where the was one. It looks good, and the test will be "will it all display and alert the way I hope"
It appears that Garmin is a great product - I have nuvi 265wt and have seen more back roads than I new existed. This entry provided more easy to understand valuable info than all of the Garmin documentation and www put together.