Well regarding Google and being indexed. I'm not ontop for my keyword (two keywords). If my phrase is basically a .com address, shouldn't it show up right to the top?
Not necessarily.
It really depends on how much competition you have and what type of competition you have.
There are a lot of factors that play into it. Yes, having a domain with the keywords in it does help but that alone will rarely get you to the top.
When new domain is registered there is no way You will be at #1 at the beggining. But according to what you say it won't be hard to get there.