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You were probably watching a video while someone was using a later version of Ps where adding an adjustment to a Smart Object CAN be done. You can't do this in CS3 or CS6 so your settings are just fine!

This is the way you should be doing it in the case you present above in your example.

Yes, this is a great reason for using Smart Objects, however, you are just making a selection of the T-shirt, copying it to it's own layer and then adding a color change with an adjustment..............you would not need to resize the T-shirt layer itself and not the rest of the image, so there's no need to convert that to a Smart Object. Just add the adjustment or clip (clipping mask) the adjustment layer to the selected area on it's own layer.

Yeah, I'm not sure about this claim.

No worries about your English.......seems to be fine!