HPV is a nice way to say genital warts. I understand that they are nearly endemic in our modern society. 60% of the population has it.
Yes, it's entirely possible to have HPV and be completely symptom free. Which is why it's been spread so easily, because if there's no symptoms people assume they're clean. only way to be sure is get screened.
Yes, it's true. also, having HPV doesn't necessarily mean you'll develop genital warts. The scary thing about HPV is it's tendency to cause cancer. Cervical cancer in women and in recent studies an increased risk for men developing mouth and throat cancer caused by oral sex on someone who has HPV.