Why do people always recommend notepad?
Granted, yes its all HTML. But.. for novices, I'm sure it's just the usual.. bold, itallic, underline, img's, ... what else? possibly hyperlinks, font colors, size.. etc..
The user basically have to KNOW html to be able to use notepad. Why not just write it up naturally in wordpad and have a page full of text.. I'm sure with very few knowlege of HTML, that's all it'll turn out to be.
From the two programs above, if you are like you said.. Very patient. I'd say try your hands with Dreamweaver. Other than that, I would say Frontpage. Whatever you see is what you get. If you know how to use Microsoft Word putting pictures, formatting the font, centering, etc.., then you'll have your page done in no time.