Dr Dan,
Put on the felt, it only takes a short time. You'll appreciate it when you have to strip those shingles back off. Most shingles are designed to melt somewhat in the hot sun and stick together, forming a solid mass. Seems to me the felt is there to make it easier to remove the shingles later, since they'll be stuck together and not stuck to the OSB. The felt also provides a second layer of defense against leakage, and a slight cusion to the shingles when you're up there walking around on them. I assume the top row you are talking about is a "cap row", I don't know if you have a shed type roof (one slant only) or a standard roof (inverted "v"). The cap row is usually smaller than the other shingles. You have to cut full sized shingles down (in 1/3rds. Just follow the slots already cut in the shingles). If you look at the back of standard shingles, there is a seal strip (covered with clear plastic tape). You want to save that part as part of your cap shingle when you cut them down. Start at one end of your peak (lets say the left hand side). Pull the strip off the back of your cap shingle, lay it in place and put 2 nails in it at the end opposite the seal strip. Peel another cap piece and lay it over the first, with the seal end covering the nails on the first piece, nail it just like the first one. By repeating this until you reach the far end, you cover all the nail heads on the cap shingles except for those on the end. On the last one, I've always tarred the heck out of it and just stuck it down without nails. Seems to work just fine. The first good hot day, the shingles should start sticking together.
Hope this helps /w3tcompact/icons/smile.gif
SHF