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If you want them to download it you could put it in a zip file that way the browser will prompt to the user to save the file when they click the link.
As far as the URL goes and your database - just treat it like any other link to an internal page.
I should probably throw an image on there, showing which button you click for a right click, and which button you click for a left click. ;)
I get a lot of visitors that are of the "this is my first online purchase" or "i just got online with AOL last week" or "I don't know anything about how to download but my son is going to walk me through my purchase over the phone" variety.
I wish there was a way to automatically popup the save box, rather than that darn plugin launching it in the browser. But unfortunately, there is no easy way.