Don't rush. Bit seems like you are off to a good start.

A Roth IRA right now would be a great idea.

>FZROX can only be bought/and or owned at Fidelty. Is this really that big of a problem

Not a problem. If you decide to move it later you can sell inside the IRA without tax consequences.

Save up a good pile of money for car-related stuff and for misc expenses and travel during college.