Hamanda I'm sure Zuriatman will be along soon but hopefully my explanation may help also.
It most instances you won't need the Cpanel that often. I typically use it to create addon domains and set up email address.
The FTP manager however is a great way to upload images or documents to the server.
Each thing you upload will generate an address or url for it, for example, If I uploaded a image say boat.jpg the url will be
http://www.mysitename.com/boat.jpg or if I uploaded a document called mydocument.pdf the url will be
http://www.mysite.com/mydocument.pdf
Another words it just gives you the added flexability of linking to documents and images without laying them out on BV page to be published.
I hope this helps