Why not just Google the product or service you are interested in (eg. 'Google Pack', 'Firefox with Google Toolbar') and download it that way? Definitely don't use your own link.
right click the link, go to properties, cut the refferal url out of the google code and paste into your browser
That's a bad practice to be getting into the habit of. My advice is NOT to click any of your AdSense units.
Some referrals are similar to regular click ads, with them offering payment for viewing certain pages. I wouldn't click it. If you go through adsense referrals, you can find the ad and company, and it should have a link to the site directly from there.