For your first question, semicontinuous functions need not be simple. Using the wikipedia article on simple function you see that simple functions are finite sums of characteristic functions. Therefore, they can only take on finitely many values, but semicontinuous functions can take on infinitely many values. Also, some simple functions are indeed semicontinuous ($1_{\mathbb{R}}$ is certainly semicontinuous). The answers to this question give examples/pointers to semicontinuous step functions.
For your second question, this does not characterize semi-continuity. For example, the function
$$f(x)=\begin{cases}0&x\not=0\\1&x=0\end{cases}$$
is upper semicontinuous, but is neither left-, nor right-continuous at $0$. A similar example works for lower semicontinuous functions. See the third paragraph of examples section of the wikipedia article on semi-continuity.