Based on what I read, sounds like you've not followed our softmod any wii guide (since you found us in a google search and found an obsolete guide).
So I would start out there, first.
Then from there, we have FAT32 and NTFS guides. We no longer recommend using WBFS since all current USB loaders support both FAT32 and NTFS. Chapter 3 of the Softmod Any Wii guide will give you our "App Pack v5", which is recent versions of three USB loaders and a few other apps to get you started.
If you plan on loading HBC apps from the hard drive, use FAT32. If you plan on loading GameCube games from the hard drive, use FAT32 with 32k clusters. Otherwise, either FAT32 or NTFS should work for you.
Links to all guides mentioned are in my signature.