Hey Ed, dont be too worried about the sensor dust. The first time I cleaned mine, I was pretty nervous but after that first try, it's nothing to be worried about.
Just dont apply alot of pressure, and try not to have too many cups of coffee before hand
Best way I found was to get a sensor cleaning brush, I have the Visible Dust kit that comes with the static controlled handle which has multiple sized heads. First thing you do is blow a few strong blows of air into the camera with a Rocket Blower to try and dislodge any dust particles. This will clean my sensor 90% of the time and is the cheapest method of fixing your problem.
Once you've blown the sensor, (Never use Compressed Air in a can!!!) and that method didnt solve the dust problem, you have to use the Visible Dust Kit. There are different brands, but I own this one, so this is the only one I can refer you too. In my kit, there is a handle that accepts multipe brush sizes which is powered by a AA battery. This spins the frilly head on the brush (non-technical term) and applies static to it which will attract any dust. Once you've spun the brush for 5 seconds, you swipe the sensor very lightly and it should remove any dust. This method is good for just regular dust.
If you've actually got some sort of smudge on the sensor, you'll need to use a wet method. With this type of cleaning, you have to have a seperate kit and seperate sensor swabs and some sensor solution.
Just like the way you clean with the static brushes, make sure you blow any dust off first with a rocket blower.
Once you've blown the sensor, apply 3-4 drops of solution to the sensor swab, and swipe one side of the cloth tipped brush in one direction, then flip the swab over and swipe the other half of the sensor in the other direction. This will remove any smudges or dust.
I had a camera shop clean my sensor one time and they charged me $25! Being as Cindy and I travel non-stop, our sensors tend to get dust on them pretty often. I explained to the guy that I wouldnt be coming back as we were just passing through and would he be able to show me what to do if I bought all the stuff from his camera shop. He joked and said "Man, you're gonna ruin my business once you know how easy this is!" I bought the equipment, unpackaged it and had him walk me through the process. Once he had shown me, I was pretty sure I could do it myself and have probably cleaned the sensors a few dozen times since. After I used up the sensor swabs for the wet method, I havent replaced that kit because it was expensive and like I said, between the rocket blower and the Visible Dust kit, I've never had to clean either sensors with the wet method again.
Visible Dust Kit we have - ( We didnt pay this much for it?) http://www.visibledust.com/products3.php?pid=2
Wet Cleaning Swabs - http://www.visibledust.com/products3.php?pid=451
Wet Cleaning Solution - http://www.visibledust.com/products3.php?pid=303
Rocket Blower - http://www.the-digital-picture.com/Revi ... eview.aspx
This should be your first line of defence and I use it every time I change a lens which has resulted in only using the rest of the kit very little. I probably could have saved a bunch of money by just getting this and using it religously
Hope that helps