Wattage Of Components
IntelŪ PentiumŪ 4 Processor 630 with HT technology (3.00GHz, 800MHz fsb, 2MB cache) = 84 watts
3GB Dual Channel DDR2 RAM = 20 watts (roughly as i do not know the make of your RAM, but RAM is pretty low power consumption)
250GB (7200rpm) Serial ATA Hard Drive with 8MB DataBurst cache = 10 watts (again roughly)
Intel 945G Express Graphics = 22 watts
16x max. DVD +/- RW DVD Writer with dual layer write capability = 22 watts (roughly)
Internal 9-in-1 Flash Card Reader = Barely anything so dont really need to count this
Western Digital Elements 1TB USB 2.0 External Hard Drive = 13.5 watts
TP-Link 300Mbps Wireless N USB Adapter = 8 watts
Overall total = 179.5 watts your system requires to operate
Now if you were to add your "Gigabyte Nvidia Gforce GT430 1GB Graphics card" then that has a wattage requirement of 49 watts, which would bring your total up to 228.5 watts, so your choice of a 550 watts PSU is perfect, your system will function fine and if you want to add any extra hardware such as Hard Drives or whatever you can do so knowing your PSU will be able to efficiently power all your devices
Note: As it is 1:30 am i will get back to you on the other two questions tomorrow afternoon