I want to understand this myself before I talk to anyone.
That is a good instinct and it makes every later conversation cheaper. These guides are written for that: what the document is, what the dates mean, and what the options actually are.
Start here
If you have just opened the letter: what an Office Action is, and what happens next.
If you are worried about time: how the reply period is calculated, and what extensions can buy.
If the heading says FINAL: what that restricts, and the three routes out.
If you are trying to budget: what a response costs and what drives the number.
If a deadline has already passed: what abandonment means and when revival is possible.