Implementing an SSL-Based Network?

A Nominal Coward asks: "I've been doing some research into making my communications more secure, everything from email to news, from IRC to www. Most of the information I've found repeats one suggestion, 'tunnel your connections over SSL.' Yet while everyone claims this is the best thing to do, no one seems to explain how. I haven't been able to find a faq, howto, or demonstration of how to set this up properly; just lots of people saying 'SSL is good.' What am I missing? I've downloaded and installed stunnel, a free (speech & beer) SSL tunneling proxy, but - don't laugh - now what? All I've managed to do is make an SSL connection to an IRC server a friend set up specifically for that purpose. Where do I go from here in order to secure my other connections, like mail, news, and web? Do I have to subscribe with providers who explicitly provide SSL access, if so, which are recommended? I would appreciate advice from others who have managed to get this working."