I'm pretty sure the bootloader isn't just a file that you can access via Root Explorer or anything… I'm fairly certain you need a Linux box, and the appropriate tools just to glean anything out of it. I'm not a dev either, so I may be totally wrong, but one thing I'm sure of is, unless you have the money to go buy a new phone, I'd suggest leaving the bootloader alone… even some of the best developers and dev teams haven't been able to crack this thing yet, and I would hate to see you with a $500 brick, just because you were curious, ya know? If you're looking to learn about them, shoot a PM to a good developer (like Cyanogen, HasSpacemoose1, Chevy, or Pete), and maybe they can help you out a bit.
As far as locked vs unlocked…from what I understand, it deals with kernel access. Without an unlocked bootloader we can't run custom kernels (ie. No overclocking or wireless tethering, although there's a radio hack for that). I believe that outside of speed improvements, kernels can also regulate or affect battery performance. Most custom kernels I ran on my OG Droid, got significantly better battery life than I was getting stock. Outside of that tiny bit of information, I really don't have anything else… I'd suggest finding someone on XDA or Rootzwiki, sending them a PM, and see what they say…not that there aren't great devs here (because there are), there are just more of them on the other sites.
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