Options update

Updated the options page descriptions to be a bit clearer.  Made sure to
include all of the settings which get used.

Also switched the default back to loading vsvimrc and vimrc files.  I
really would like to change this but it's too late.
Changed the notification to loading of vimrc file

The impact of the 'backspace' setting is greatly diminished with the new
options approach.  A user must both have a vimrc file which changes the
setting, and switch the option to use it.  Hence having a notification
for it is over kill.

Instead this notification now warns about the automatic loading of the
vimrc file.  This is often quite unexpected by users.  Hopefully this
will remove the mystery a bit