Hi Murdoch
This was the second client site I did on wordpress. It is an adapted theme
http://osc3.template-help.com/wordpress_20436/ bought from template monster. This was to help our client keep the costs down (although this will probably not be the case for long as I have found out some information on some nice tools this morning that I need to have a look at, I will keep you posted).
However, you can adapt any template without php knowledge as long as the structure is right from the beginning. If you go into themes/images you can substitute your own images in place of the original template images, making it very versatile.
The design was done by myself and it has quite a selection of plugins. I had to hack into the code to remove author, date and comments and make it more of a professional site. Unfortunatly i haven't found any plugins for this yet. Design wise I am self taught this was actually done on coral paint shop pro with quite a few layers. I prefer this to photoshop for usabililty and speed.
Hacking into the code self taught (and much easier than oscommerce or the system instant downloads is on) and once your php head on it is actually not to hard to figure out what is happening (although it is never as simple as you first thought!!

)
My friend pointed me to some very useful plugins and I trawled endlessly to find the others. However Ky-lie wanted a dramatic site she could have downloads on, sell things on, put music, a gallery and video on. She also wanted to be able to edit it herself, run newsletters on, add acts etc. So this was the perfect solution.
Nicola Selby has done some new photographs so the design may change a little and the gallery will then be fine tuned. The video has also been done so that should be on soon as well.
All you need is to be brave and experiment on a test installation, choose a good host with fantastico and you are on your way. Its not as hard as you thing once you get under the bonnet.
Some plugins still have some way to go but as I said it is in its infancy and is changing for the better constantly. The only problem is the time it takes to update and maintain it because of this, however I am sure some genius will come up with an answer to that at some point.
Hope this helps