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What's the difference between 'I lived' and 'I had lived'?

Or should I use 'had lived' (past perfect) only in a Dependant clause for harmony of tenses only (i.e. when the main clause is in past...

And I definitely think the 'have' is needed. "I lived there ever since" means "I lived there, and now I don't".
"I have lived there every since" means, "I lived there and I still do now".

Maybe that's what they teach you, or don't teach you, as it seems in America. It sounds wrong to my English ear. It's not an obscure grammar rule, it's quite basic really.

In speech it's fine,...

I don't think so, unless that is American usage. I doubt that's even standard American usage and just colloquial. It sounds very wrong to me without them.

Can somebody please help translate the following into Russian?

I was born in New York. I grew up and lived there for many years.
My first job was in Massachusetts. I worked there for almost 10...