You need to include your login name (for cPanel) with an underscore and then your username cPanelName_dbusername (or in your case, yes, ohreally_dbusername)
Localhost is the easiest way to connect to the server.
You should create a table in your database, call it 'users' or something. A good basic template (depending on what your site is for) id (for easy referencing), username (their chosen username for logging in) their password (their chosen password, for security you may choose to use a md5($_POST['password']) to encrypt it so it is harder to read and do not forget on a log-in script you write $password = md5($_POST['password']) so A) It doesn't get unenctypred, and B) it works) email address (for confirmation and letters from the site) and whatever else is dependent on your site. So it should be:
id, username, password, email, etc.
IMO it is easy to write a .SQL file and import it into the database. This is assuming table.users is not already created:
Code:
CREATE TABLE users(id int(255) AUTO_INCREMENT PRIMARY KEY, username varchar(20), password(50),email varchar(50), otherFieldsNecessary fieldType(fieldSizeIfNeededDefined))
Note: Don't forget that, to reference your database, you need to write your cPanel username like above when defining your database connection:
PHP Code:
ohreally_dbName
Hope that helps.