Vic and Judi again...many thanks!
Well, I guess what I would like the most are the plug-ins. I do like that WP.com IS much easier and "safer" for us newbs.
I reckon I could call Godaddy.com and see what they can offer me. I'd even be willing to maybe PAY somebody to set it up for me (provided it's not TOO costly)
I think I'm just being a scaredy-cat.