Should all be pretty simple. If you want, hit me up, and I can walk you through it all...
Dreamhost has "one click installs" of wordpress where you really don't need to know anything about the installation process. Also, they install something like 10+ templates for you so you've got some variety from the get-go...
Maybe use wordpress.com (the hosted version of wordpress)? They make it pretty easy to move to your own installation in the future..
You seem like a pretty smart guy though. FTP is not complicated at all, with the right program it would take minutes to get the hang of and I'm sure you'll need to use it sometime in the future...
This is stuff you'll need as LazyHippy says, so I'll spend 1 minute to explain you the basic steps, it's not hard, absolutely.
Get any CPanel host with Fantastico installer (or any other installerwith WP) so you'll be able to install WP in few clicks.
Download an FTP program ( FileZilla Homepage - Index ).
Copy and paste in the top bar the IP, username and password given to you in the activation email of your host (you can define a site if you want it saved for later use) and click quickconnect.
Navigate into your site's directories to your templates directory (usually something like /public_html/wordpress_install_directory/wp-content/themes/.
Find a template you like (you can go to Theme viewer and find hundreds) download it, open the zip file and uplad the content to the above mentioned folder on the server.
Now access yourdomain.com/wordpress_install_directory/wp-admin/ hit presentation and click on the theme you just uploaded (it will be listed there).
I hope it helps..
Yeah everything they said above will help you and make it easy.. wordpress has literally thousands of themes and all you ahve to do is unzip them and upload them into your themes directory on your server.. using filezilla is good..
View Wordpress Themes Here..
I use dreamhost and just did the one click wordpress install. I think it comes with close to 50 themes now. And like Symmetry Power said, it is easy to find templates on the net and install them yourself...