<<But it does bring back question number one: what to do to help moisturize AND heal my navel ...>>
I don't use anything to 'heal' piercings other than daily washing with soap and saline soaks. When I had my nostril pierced a year ago, I did use a blend of lavender (not that I got the idea from Bertrang or anything), ti-tree oil, and vitamin E, but I don't think it did anything to heal the piercing.
<<Maybe I'll try the Aveeno moisturizing cream like Meghan said, if I get over the fear of getting it infected that way! *lol*>>

Seriously, just apply the lotion with a light touch and you should be fine. I don't work it through the actual piercing hole, I just lightly rub it into the area immediately around the holes. And using a pump bottle reduces the chance of contaminants getting into the lotion.
Incidentally, I had really good luck with Aveeno when healing my tattoo, because the oatmeal in it helps the itching.