..think the reason scientists haven't solved what gravity really is,

Oh, they have. However, unifying it with the other forces (the weak force, strong force, and electromagnetic) has been a problem. So, they try other ways of looking at it to hopefully get it to fit in with those other forces and have a unified theory.

Is time space more warped where we live, the planet's surface?

Yes indeed. Spacetime is more curved the closer you are to mass, and the more mass there is. You would weigh a tiny bit less at the top of a mountain or at the top of a skyscraper, than on sea level, for example.

Thank you for your nice comment and for those questions!