Installing REAL Apps on the iPhone (dumb question!?)

OK, I sorta have an idea as to the answer of this already...the iPhone (with the legal 1.1.3/1.1.4 firmware) can run web-apps as of now...

The SDK has been released and developers are currently working on ::REAL:: apps for the iPhones...ones I have dreamed of are a video capture program, a mobile video editor and a photo editor, audio recorder, software zoom for the camera...alot of neat stuff that SEEMS would be possible with the right software.

I know that there are already coded apps floating around and people running them on iPhones. MY QUESTION -- does it take a 'jailbroken' iPhone or one running a hacked version of the firmware OR iPhone Firmware 2.0 beta to run these REAL apps right now?

OR can I run and install apps on my iPhone as is (my phone's running 1.1.3) and it would be great to download some apps and try them out. I just don't want to put the efforts towards it if I know it's not supported yet (from Apple I mean)

I'm guessing we have to wait till 2.0's out to be officially supported for downloading/installing SOFTWARE apps to the iphone (ie not webapps) CORRECT?

Thanks