I understand your problem with the config-dist.php, it is rather wordy.
If you read it like a document it is more, or less self explaintory.
The written comments are hidden from the code between the // which if you are not used to is looks daunting// ...but it isn't really.
All you need to do is take it slowly.
Print a copy of your old config.php so you can refer to it.
Then little by little find each of the $CFG-> elements corresponding to what you have on you config.php cribsheet and make the amendments to the config-dist.php
When you have copied all that's on your cribsheet, then save the config-dist.php as config.php and place it in the same folder as config-dist.php. That's all there is to it.
There is a lot of code in the config-dist.php that you don't need to worry about. Some of it will not be relevent, so you can ignore it.
Give it a try, at least. Follow the instructions at the end of the config-dist.php for how to complet the upgrade.
The thing with Moodle 2.0, is that it is not yet stable enough for a full production site, but OK enough for testing, getting familiar with the way it works, designing and testing themes, etc., And since it is still being developed and not ready to be rolled out proper yet, Moodle Doc are few and far between, and as you are finding, not much help, especially when using cPanel.
You know after you get this site up and running you will be able to write a new Moodle Doc on the subject!
Best of luck