"How do I know what type of NAT I have?"
Download the following application made by the folks at Free World Dialup:
http://downloads.fwdnet.net/netcheck.exe
It should correctly determine your NAT type - although take the other information it gives with a grain of salt (it is not always accurate).
This is out of date. Can I get the update?
Then, I am on some standard router with roommates (like millions others, right?). What are the settings for various standard routers? What are the settings for various accounts (Betamax, Sipgate)?