we are doing the clicker... do I click it when she heads to the toy I am asking for? do I give her a treat at all during this process?
You ALWAYS use food with a clicker. That's what the click means... you did it right, a treat is coming.
I would start with two toys on the floor about two feet apart. At first, don't say anything, just click if she touches either toy. when she's doing that reliably, click only when she touches the toy you want to name. When she's doing that reliably, say the name, then click when she touches the toy. This whole process shouldn't take more than a few days. When she is reliably touching that toy, replace the second toy with a different one to "proof" that she really understands that your word means that particular toy. (for instance "bear" for a stuffed bear)
Once she's reliably touching one toy on command, you can start the process over again with two different toys, until she is reliably responding to the name of one of those. Only when she has really thoroughly learned two names in isolation should you start asking her to differentiate between two toys that she knows the names for.
Slowly, over time, you can add new toys with different names and eventually increase the number of toys she chooses between. Make sure that you run her through the older ones often so that she doesn't forget them.
Many dogs learn the names for some special toys without special teaching, just because the toy is important to them. But this is more hit or miss, and some dogs catch onto it easier than others. Kodi knows the names for about 4 different toys that he has learned just because they are his favorite toys, and we've often said the name of the toy as he brings it to us. He knows, "Squeaky ball", "Bottle" (milk bottle), "Fox", and "Cow". I'm sure we could teach him more, but we haven't really worked on it.