3D_CAP232, The only silly question is the one you DON'T ask! That's what we're here for.

While dual rates are fine for an aerobatic plane, once you go to a 3D capable plane (i.e. 40-50 degree surface travel) it's a nice feature to have the third rates. Here's what I do (and this is what works for me.....this is a very subjective thing....kinda like trying on a pair of shoes):

>Switch DOWN:
>>Low rate elev, ail, and rud / -30% elev expo, -50% ail expo, -15% rud expo

>>>Switch CENTER:
>>>High rate elev, ail, and rud / -50% elev expo, -50% ail expo, -45% rud expo

>>>>>Switch UP:
>>>>>3D rate elev, ail, and rud / -75% elev expo, -70% ail expo, -60% rud expo

The expo can REALLY vary by plane and throws so you will have to experiment and burn fuel to get it dialed in. (NOTE: Futaba uses negative expo where others may call the same thing positive....God help you if you dial in 75% negative expo on an 3D throw elevator on a JR radio!)

Since this switch (switch B) is about twice as tall as the other switch it's actually pretty easily to find, especially the way I hold the radio as my middle finger rest along the top of the radio. I intentionally made the low rate position in the DOWN position because it's easier to PULL down with your finger in a panic, than it is to relocate your finger below the switch and push....again, just my preference.

I also have a rudder-to-elevator mix assigned to switch C. I turn this on and leave it on for precision flying but find 3D easier with it off.
My eventual goal is to set up two model memories for the plane (throws, CG, rates, mixes etc). One for precision/IMAC and the other (changing CG by adding ballast into a phenolic installed in the tail of the plane) for 3D/Freestyle flying. The consensus seems to be (from modelers with a LOT more experience then me) that you cannot set up a plane to be the best at precision and freestyle. You need to have very different CG locations for each.

Best of luck............Mark