Just discovered I can build my notes in my MobileMe acct. Is there a method of working on my notes at the desktop?

Easier to use an alternative app like Evernote. You can have your notes everywhere, and they automatically sync. The basic account is free.

But you can also create and edit your notes in Mail on your Mac (if you have one). They show up under the REMINDERS header in the left column.

Yup, I use Evernote and Dropbox for notes and files on the go works great.