Being computer fluent means that you can understand what or why the computer does what it does i.e. what the processor, RAM, ROM, HDD/SSD are and what they do. You also understand how to properly deal with error messages, read them and try to find out why they came up! Not just closing them... This helps you to be a savvy computer user as you know, most of the time, why the computer shuts down, wont allow you to do certain things and things along that line... Being computer fluent means you understand what the random words like GHz are and 1Gb RAM, and how they affect the overall quality of the computer, if you know this it will help you buy the computer right for your needs not just what the sales rep is trying to sell you.
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Savvy means they know a lot about it. It's short for the French expression "savoir faire" = to know how to do.