1.) "... and yes, there are Americans that do receive hefty fines..."
False. No American has been fined for illegal tourist travel for years and years and years. It's a complete non issue.
2.) "... If you stay in casa particulars (privately owned homes that are licensed to rent to tourists) it is customary for the owners to cook your meals. They will be offended if you choose to cook your own, so in essence staying in casa particulars is not a self-catering meal type of vacation..."
False. There are countless casas that don't offer meals and there are countless casas that are completely independent with no interaction whatsoever with the owners.
3.) "... Make sure you have a Casa Particular chosen for your arrival date - you'll need proof of that when entering the country. You cannot leave that field on the form blank. Even if you are not staying there, you need something to fill in..."
False. You do not require proof of accommodation to enter Cuba. The Tourist Card doesn't even have a space on it to fill in for accommodation. Your info is years out of date.
4.) "... Exchange your American dollars at the airport before departing to Cuba..."
False. Airports traditionally offer the worst exchange rates possible and you will actually lose purchasing power for CUCs if you go that route.
5.) "... there is a Swedish embassy in Cuba that will assist Americans (in whatever capacity in their power)..."
False, but at least you posted with the disclaimer that you weren't sure what you were talking about. The US Special Interests Section on the Malecon in Havana is the de facto largest foreign embassy in the entire country. They will issue replacement passports to Americans in a few hours.
6.) "... Chances are you will not have internet access unless you are willing to pay hefty premiums, with a slow connection at that..."
Connections are slow but there are dozens of hotels in Havana with internet computers for 6 - 10 CUC/hour. The high-end business hotels have WiFi so you can use your own laptop.
Terry from Havana
[ Edit: Edited on 15-Mar-2013, at 19:17 by CheersT ]