As a noob here, I also think that until you have worked the white hat stuff, and understand all the dynamics that are at play, you probably shouldn't be messing with black hat stuff. Of course, thats just my opinion, but it ALWAYS comes down to knowing the fundamentals.
Put another way...if you wanted to become a hacker, you wouldn't start off trying to bust into the pentagon using pretty vague methods outlined on a forum somewhere. You would start by doing the basic stuff, understanding it completely, and then building on that knowledge, and scaling it either horizontally or vertically, depending on what you were attempting to do.
There is a reason why humans learn to walk before they run...