Yeah those started plants they sell now in the walmarts are a joke. It is just another way to make money off people who are trying to grow their own food and don't know any better. The only thing to watch out with when you are planting squash or cukes (or beans) is that the ground is warm enough and not soggy or the seeds rot easily. You can warm up the soil by tacking black plastic over it. (I've used garbage bags before, but they end up kinda shredded by the end of the year).
And about hand pollinating. It's easy peasy. I would recommend doing this for your early and late squashes, or if you live in an area with few bees, such as in town. All you do is find your female flowers as they are nicely in bloom or the day before. Female ones look like they have a little fist inside them, and there's a tiny fruit on the stem. Then take a male flower (he's just got one pointer in there) and brush the stamen on the inside of the female flower. Ta Da! Now you won't have so many little fruits that go all rotten at the beginning and end of the season (it's because they didn't get pollinated, and the plant lets them die).
I know that's more than you asked for, but maybe someone else will come across the info too!