The usual 3-way split between html purists, Dreamweaver/Photoshop combo-ists and the freeware/cheapware solutions, whenever this question is asked.
It all depends on whether your web authoring intentions are short-term, one-off just to produce one site, or whether you want to look ahead long term and maybe start web design seriously.
I can't disagree with the suggestion of downloading a free html template and filling in the blanks if you just want one small website up and running as quickly as possible.
I also can't disagree with the html-only approach as I've never properly learnt html. However, it does strike me that it seems a bit weird to go back to a text based solution when everything else we do (especially on a Mac) is wysiwyg. A bit like using WordPerfect v1 instead of MS Office.
I'm firmly in the DW/PS camp myself, cos it suits me. I can still have a look at the code if I need to (and yes, I do need to fairly often - and I suppose I've picked up a bit of html knowledge by doing that), but above all, a website is a visual thing so it seems to make sense that I use a visual tool to put it together.
Your final choice may well boil down to money - maybe £500 for the DW/PS route compared with as little as £0 for one of the other solutions. Maybe the html fans have a point after all........