Clark:
I like your questions. The simplest way I can explain travelling is, "pivot foot up + pivot foot down = travel." The instant the ball is gathered, if there's one foot on the floor, that's the pivot foot. You can call it "Euro Step" or "Texas Two Step" for all we care, if the pivot foot comes up, then down, it's travelling.
As Bob noted, there's disagreement as to what constitutes a "jump stop." If you go strictly with #3 (as I do), you can't pivot once both feet hit the floor.
Here's a link to the NFHS Learning Center. As for questioning a official's ruling, it depends. Are you a player, a head coach, assistant coach, or spectator?