Since it was extract, there is no reason at all to worry about whether or not your OG was what it was supposed to be. The tiny bit of extra water will have minimal effects (slight change in OG, IBUs, maybe even color), and isn't anything to worry about. Being your first brew, chances are you wouldn't know what a perfectly brewed batch would taste like in order to notice those differences.
Wait a few more days and take another gravity reading. If it has dropped a bit more, then wait a couple more days and take another reading.
The whole secondary option is pretty straight forward. There is absolutely nothing wrong with keeping your brew in the primary fermenter until you are ready to bottle. ABSOLUTELY nothing to worry about if you choose this.
The one reason I continue to use a secondary on most of my batches is because that means there is less trub/gunk at the bottom that I could accidentally transfer into the bottling bucket, and then into the bottles. Transferring to secondary DOES NOT make your beer clearer or clear your beer quicker. However, it provides another step to help keep that trub out of your bottles. So, if you are comfortable with your ability to keep everything sanitized, and you want to avoid accidentally transferring the trub, then go ahead and use a secondary. If you are comfortable with your ability to use the siphon and leave behind the trub when transferring into your bottling bucket and would rather not risk the extra step of transferring more than once, then just stick with the primary.
Sorry for babbling for so long.