Moiraine- I have to agree with the others, use it all. They would probably think you were strange if you didn't. In 16 years of owning my own business, I've had one employee leave one sick day on the table.....once. Every other single personal day, sick day, vacation day, safety day, you name it has gotten used.
As far as when to put in for time off etc., just ask some coworkers after you start work. The thing I wouldn't do is ask much about PTO from your boss or higher ups the first week or two. That might send the wrong message. Congrats on the job btw.