About to start dreading but have some concerns....
My hair is VERY VERY dreaded, as well as dirty, so saying dirty hair wont dread, is not a statement of truth. I'm a little under two years all natural, and I have always washed my hair every couple of months. My knots are tight as hell, hard as rocks!
You don't wash your hair with aloe vera, you can use it to tame frizzes. Don't wash with it. Use a baking soda/water mixture, then rinse with ACV. Here's a recipe: http://www.dreadlockssite.com/forum/topics/super-clean-dreads-safe-for
You can use rubber bands to section, as long as you take them out after. Just twist & rip OR backcomb... people usually do one or the other. No idea what you mean by "stuff with a nit comb". I'd suggest skipping all of that and letting you hair go natural for a few weeks... it'll form more natural sections so you're not forcing hair into sections. This may result in dreads splitting down the line.
As I said, only use aloe vera if you need to tame your hair down a bit, but use sparingly. By doing the BS/ACV wash you can mix in essential oils which help with dandruff. Read the thread that I linked to. Also, your hair may be greasy now but as you progress it will become less and less. Just remember to wash whenever you feel you need to -- clean hair dreads, dirty hair doesn't. Best of luck.