I think the most important part of creatine supplementation is always overlooked... I honestly think you need to train extremely hard and by that I mean "balls to the wall I'm going to puke" style training for weeks on end, to deplete your bodies own natural creatine pool... THEN supplement the creatine to allow you to continue to progress.
This is the part of creatine use that has people raving about it... when they use it properly and time it correctly. Loading and all that rubbish matters not one jot in my experience. Use your own creatine stores up and as your performance is about to falter or hit a wall, you suddenly get a boost from supplementation.
Only then does the magic happen
It will happen wether you load it or not. There are two protocols I've used to good effect, either:
Loading:
4x5g per day for 5 days and then 5g per day.
Pulse style:
5g everyday with breakfast
+ 5g PWO on training days.
(or on training days take 5g pre and 5g post workout)
Take the creatine with at least 500ml of water and with some food, preferably a carb source (a drink will do) and a little salts, I use electrolytes.