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When I setup filezilla, it will ask me at the end of setup what my username/password will be, and then it will all work (with localhost and my future server)?
It's been a while since I set up Filezilla, but I think after you set it up you will have to add a user yourself. The way you do this is by clicking on the "User Administration button. Then click "Add". After doing so, enter the username for the user you wish to create; then click "OK". After that, you will click on "Enable Password" and enter in a password (if you wish to do so). Then click on the link that says "Shared Folders". Click "Add", and choose the directory in which you want the user to access; then click "Ok". Finally, click "OK" at the bottom left side of the User Admin area and that's it. Test the account to make sure it works and your done.