I'd like to share a little of my experience in this area. Sundi, I'm like you, with little to no web developement experience and no $$ to hire someone. So, I first asked for recommendations of which I was given WinandWare. I bought one of their pkgs. I wish I would have seen Tess article sooner. Anyway, like Tess said these are limited in their offerings, but if you have to go with the do-it-yourself mode, then they can be useful until we can afford more, but don't expect too much.
I almost went with the big "M" but I'm sure glad I didn't. Like Julia I've had my ups and downs with them.
So far its been okay, BUT I'm going through a huge learning curve. Which I like to learn new things, but when one works full-time AND part-time evenings (trying to get my VA business going) it can be very hard. I have so little "time" I'm trying to learn and actually "do it" all at the same time. Just my 2cents
Lisa007