Web host recommendations...pt 2. FTP?

[Mark Swindell]

Thanks to all who replied both on and off list with recommendations.  
I'm narrowing down the search.

I've a new question, and feel I ought to know the answer, but don't.

Assuming I put up a few shareware standalones to download, do I need to 
pay for an anonymous FTP server, or will a simple web server suffice?   
I've built web sites before, but they've been information only, not 
download sites.  Also, how does a download count against bandwidth?   
Straight up, a 3 meg download is 3 megs of bandwidth?

TIA for any and all clarifications.  And if anyone can point me to a 
reference to answer these kinds of questions, that would be great, too.

Mark