Jmarko,
See my post above, capacitors work in a vacuum, therefore the charges must reside on the plates. All capacitor dielectrics are chosen for non-conductivity, therefore, they cannot remove the charge from the plates.
The concept you are describing is actually dielectric dipole re-alignment, similar to magnetic dipole re-alignments in magnetic materials. The key here is to think about what it means to have a dielectric constant greater than 1. This essentially means that the effective spacing is smaller than the physical spacing; we'll ignore the reduction in the speed of EM waves definition, since we're talking statics. So, if we imagine a dielectric that looks like two plates close to the external plates with a wire in-between, the effective capacitance is significantly higher, and does not require actual movement of charge from the external plates. Just like magnetic dipoles, the dielectric dipoles have a positively charged and negatively charged ends, so the field generated by the charges on the plates are terminated within the dielectric by the first layer of dipoles and the opposite ends of those dipoles are terminated by another layer of dipoles, etc, until you get to the other plate. Since the dipoles chew up the physical spacing of the plates, but do not participate in the potential drop between the plates, the effective plate spacing is reduced and the capacitance is increased and the dielectric constant of the material, given by the ratio of the actual capacitance to the equivalent vacuum dielectric capacitance can be quite large, although the useful ones are not much more than 15, since larger constants correspond to increased conductivity and a conductive capacitor is prit near useless.
This link has a pretty nice graphic showing dielectric dipole re-alignment:
As mentioned above, Chapter 26 in Halliday and Resnick discusses capacitors in general, and sections 26-3 through 26-5 discuss the physics of dielectrics. As to the energy storage in the electric field, this is simply the manifestation of the separation of the positive and negative charges by the gap between the plates and the effective energy stored is given by the EE equation 1/2CV^2. This discussion can be found in section 26-6 of Halliday and Resnick.
As to the net charge, you are correct that the capacitor as a whole is neutral, but all physics texts talk about the charge on one plate, to be consistent with the electron current model. Even in Halliday and Resnick, while the discussion talks about charge in terms of negative charges, the figures for capacitors all show postive and negative charges on the plates.
To answer a previous posting, positive charge current consists of holes, not protons. Protons are too large to move within most materials and are usually held in place through atomic bonds. While it seems silly to talk about holes, they are fundamentally different in the effective mass and effective mobility, that's because the electron moves in the conduction bands, while holes move in the valence band, thus experiencing stronger interactions with the electron shells around the atoms.
TTFN