I'll just chime in on the 100% thing.
BOINC is designed to do that. It takes the cycles that otherwise go to system idle processes (or the Mac/Linux equivalent).
Clarifying this a little further for our honered new user here, the 100% usage sounds bad but isn't for the following reason. If you look at Task Manager (assuming your puter is running Windows) and the Processes tab, you will see that the BOINC project is running very close to 100% in the CPU column. If you go under View and then choose Select Columns, place a check in the field called Base Priority. This will show which level of priority Windows assigns to the task. Most running processes will show Normal priority and a few Windows tasks will be High. The Boinc application is marked as Low priority during the install of the program.
All this means is that if your computer is sitting there with idle capacity doing its High and Normal tasks, it will then run Boinc in a low priority mode. Wiggle your mouse, type on your keyboard, etc. will now momentarily suspend Boinc as Windows does these higher level tasks. All these decsions are occuring in the background and truth be known, you will see very little difference in your computers performance with Boinc running.
As a disclaimer, I am not an IT guru or anything but believe the above explanation to be true based on my experience with running Boinc for several years.