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Hmmmm, well, not sure that I will give you text book definitions, but, I'll try. I plopper is typically full size, has fully opaque (not transparent) areas for the backgrounds and stuff, and may have transparent areas too. It usually resembles a completed layout and you can put your images either behind, in front, and add journaling and you are done. Transparency, to the best of my knowledge, is not typically used to describe and image but to describe the quality of not being opaque. An overlay, is something that is placed over parts of your layout. It can be over the background, everything including photos, etc. Overlays vary widely from greyscale to color, having transparent and opaque areas to having no fully opaque areas, and can run the gamut from full size to those that appear torn and have texture to those that are intended to give your image to look of being torn.
Hope that helps.
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