Hi AerBabe.
I can also recomend 'Oneandone', I have my own '.co.uk' with them, and as far as freebie ftp proggies go, look at "Smartftp", a very small download. Do a Google on it.
Dreamweaver I have got, but It's definatly 'Overkill', and to be honest the easiest personal site I have made was with 'Publisher' and it was perfectly readable in Netscape.
As with all software, it's really a case of 'What works for you'. I mean, some people even use Outlook for their email......
TJ