Re: Coding-challenged, need advice on web page building program.
If you are not so saddle-fast in coding or html, css or layouts, I would recommend a "ready-to-go" CMS like Joomla!, Typo3, etc.
Both are complete free of charge and you find free templates within the web. Joomla! for example, is easy to install and it's not so hard to understand how it works. The WYSIWYG editors for Joomla! are quite simple and you can easily add pictures and so on. Sometimes I use the editors to create the correct HTML code. You can switch between WYSIWYG or source code of the content.