Well i wont write all the details about it. Just points some stuff.
Well first the navmesh is just a mesh, mesh is a surface subdivided into smaller polygons mainly triangles/quads, its used for AI path finding applications. How to get from point A to point B.
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So for the navigation part , AI just use any path finding algorithm, like A* (google it) with each quad vertex as a node for example and u just transverse the generated graph . But for non-AI what i used is just intersect the motion segment (src,dst) with the polygons, that means finding the quad where ur at and moving to the next quad adjacent that intersects the segment, and since ur always moving in a straight line its simple.
That kinda resume it all, in overall, atleast what i did.
Collision wise is more like testing if you collide with each model or not.
About the files i just load them into memory and fit the data to my needs, i didnt want to write a converter kekeke.
How i got the info, hex editor + some experience xD, in the end i wrote my own app to display stuff bcz its easier and theres tons of WTF information out there and bunch of files to just inspect them 1 by 1 =P
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My 2 little cents