I am using a .wordpress.com blog that would like to get some custom page templates, I understand how how to write page templates, but, I don’t understand how to get the template onto whatever.wordpress.com without FTP access!
EDIT: I don’t want themes, I need to basically make a price form, where users select options, and based on options the price of a product increases, and this price is emailed to the user. I sort of guessed I could use page templates for this, but, I’m open to suggestions.
You are pretty much out of luck for the wordpress.com free feature. For full custom template options, you will need to host your own word press site. Or alternatively, choose a good theme and customize the css / etc, as part of its ‘premium’ feature:
http://en.wordpress.com/products/
EDIT: side notes
Additionally, wordpress admin interface itself, comes with a built in theme / file editor (if you host it on your own). That allows you to edit the theme / PHP / css files. Though it may lack syntax highlighting, that can be easily remedied with plug-ins.