In my C# Windows client, I have a POST submission to \"the mothership\". I want the data in the submits to be secured, of course, so I paid for HostGator to issue me an SSL cert
If you're not using client certificates and you can access your server using https:// then your code should look like:
private static WebClient client = new WebClient();
private static NameValueCollection nvc= new NameValueCollection();
nvc.Add(POST_ACTION, ACTION_CODE_LOGIN);
nvc.Add(POST_EMAIL, email);
nvc.Add(POST_PASSWORD, password);
sResponse = System.Text.Encoding.ASCII.GetString(client.UploadValues(BASE_URL + ACTION_PAGE, nvc));
As long as your BASE_URL uses https:// then all the data (to and from the server) will be encrypted.
IOW using SSL/TLS from a client to a server does not require the client to do anything special (with the certificate), besides using https:// as the scheme, since the operating system provides everything (e.g. trusted roots) you need to secure the data transmission.