Hi WAP007.
The advice you got from your local photography shop sounds jumbled, but there is a valid point at the heart of it, and it's to do with camera aspect ratios, which is the ratio of the picture's width compared to its height, versus common print sizes.
The sensor in your D90 does NOT shoot 12" x 10" photos. Its pictures have an aspect ratio of 3:2, which means you can print at any size you like without cropping as long as the paper has a 3:2 ratio as well. The LCD display on the back of the camera has a 3:2 ratio too. So 6" x 4" prints will be fine, or 9" x 6" or 12" x 8", say. But papers don't necessarily come in those sizes.
If your photography shop is offering 12" x 10" prints, that's a 6:5 aspect ratio, which is very different. It means if the photo fits the full height of the paper, you're not going to get the full width of the picture – and on 12" x 10" paper, you will lose quite a lot.
Your friend with the D7000 probably went to a different photograph shop or asked about a different (wider) paper size. If you take a look at
http://www.photobox.co.uk/shop/print...rgement-prints you'll see visually how different common print sizes look, and why some may crop the edges of your D90's pictures, simply because of their proportions.
I'm not sure I can help with your D90 exposure query - it's the sort of thing where you have to be there to see what's happening. Broadly, though, if your D90 is fine outdoors and you can adjust the exposure to get good shots under artificial lighting, I wouldn't worry too much. Traditional hand-held meters and modern digital SLRs don't always agree about exposure settings.
Rod Lawton.