>>What's the basic difference between using a CCD camera versus a digital camera such as the Canon EOS 20Da?
The CCD has cooling, and probably a better chip in the first place. Therefore, it has a higher top end. However, it is usually black and white, whereas Canon is single shot color. On the other hand, you have a lot more control over the color in a CCD, probably. In short--A Canon will get a very good picture, but a CCD will get even better.
Of course, the DSLR has a much easier learning curve, so you will be getting that picture sooner than with a dedicated CCD.
>>Overall, if I spend that much for a camera, I'd like to use it for other things as well. Does the CCD take better shots because of the cooling? Or, are there other differences?
Yes, the cooling is a big deal, but there are other differences, also. Resolution is probably better in a CCD. The other differences are too technical, here.
>>Also, why are most shots taken with refractors? Is the high f/ number better? I would have thought reflectors are better because of their higher light gathering capabilities. Are refractors easier to focus?
Ther is no inherent reason you cannot take astro images with a reflector, and depending on how well it is made, collimated, etc, it can get pictures as good or better. But you can probably get smaller stars with a refractor, and small stars are what you are after. You can probably mount a small refractor much more easily than a large reflector, also.
Alex