Bill,
I really can't address the RAW w/JPEG portion of your question because I use a D60 which does not embed JPEGs with RAW captures. As far as I heard you can't turn off the option though you can reduce the size of the JPEG. In any case, I would look at the JPEG as an add-on because if your shot is perfectly the way you like it why bother with the RAW portion of the image. The shot is good so print. . . but read on.
The first question most people will ask regarding using RAW is what program are you using to convert/adjust your RAW images? Photoshop CS (or PS7 with RAW conversion plugin), Canon's RAW app, Capture One, etc.
All of the following is a generalization because it depends on the program you are using.
Don't think you "have to" make white balance adjustments or any other adjustments for that matter (see above "add-on). This all depends on how you shot the picture in the first place. If the white balance, shadows, sharpness and other settings look good to YOU don't bother with adjusting anything. Otherwise look at the settings on the menus of the program and change to whatever is appealing to YOUR EYES on your monitor. I hope your monitor is calibrated too, but this is a whole other issue.
PS and C1 GENERAL PROCESS:
Look at the menus on the left and play with them until your photos are appealing to you. After you are finished messing around with everything in the RAW format with sharpening the very last step, save/convert the image as a TIFF, JPEG, or whatever you want or need to so the photo can be printed.
BreezeBrowzer General Process: Simply convert (save) the image to TIFF or JPEG. Use your photo-editing program such as Photoshop, Elements, Photo-Paint, other, to make adjustments. Save for printing.
Again, all of this depends on the program you have so you can do what you need to do. Share that bit of information and others can help you more specifcally.