FWIW...I had the same type of questions. After searching various FAQ's and getting help from various people in different forums, here's what I ended up doing. (And it works great!)
First, I put the following in my form located in my /public_html directory:
action="http://www.yoursite.com/cgi-sys/cgiemail/cgi-bin/eval_templ.txt"
Next, I put the text file "eval_templ.txt" in my /cgi-bin, and changed the permissions to 644.
I'm not sure it's the best way to do it, but it works fine for me! Hope it helps!