You might be able to get microsoft expression free through a program like dreamspark or MSDNAA, if your school is eligible.
My most complicated web page I've designed has maybe 30 lines of hand coding, the rest are all generated by using the graphical editor, and choosing settings from dropdown lists.

You can get code for embedded chat from Meebo, and just drop it in thne code view where you want the chta box to appear, maybe have to tweak a size setting if you want it to be a specific size.