Hello,
Casey has one of the best responses here for you. I'd suggest going to the ARRL website for a wealth of information. Your lack of hearing "conversations" and only a "NET" with alot of checkins could be because you are listening to only one repeater. You can find a list of repeaters in your area via either a repeater coordination website or by purchasing the ARRL "Repeater Directory" or "Traveler's Plus" software.
I myself prefer talking on the local 2 meter or 440 repeater systems. There are hams that gather in the mornings for breakfast talk, afternoons while local traveling, and late evening gatherings before bedtime.
You may want to listen to FM simplex frequncies also. 146.520, 146.550, 223.52, 446.0, 52.02, 52.04, 52.525, 52.54, and 29.60 MHZ, to name a few.
Find a local Club and get involved. You can get study material online via ARRL.
I describe the Amateur Radio Relay League as the "NRA" of Amateur Radio Operators to those not familiar with the ARRL.
The learning of morse code is no longer a requirement in the licensing structure.
Online practice exams are available to help in your studies.
If the hobby is to survive another hundred years we need younger hams and we older hams need to give way to new ideas and technology.
Another thing to mention about Ham Radio is that the hobby has been the building blocks for many technical advances in communications today.
Did you know that some of the Astronauts are licensed hams? Listen to 145.800 MHZ the next scheduled time they will be on the air and passing over your location.
http://spaceflight.nasa.gov/station/reference/radio/
73
Jim
nj3t