Hi George
Yes Photoshop is a bear to learn ...and requires a good eye and steady hand, which I personally don't possess. LOL!
AS for a good desktop publishing software. On the low cost end MS Publisher will probably meet your needs as good as any other. When you are ready to "step up" ... Adobe PageMaker is a good companion to the Photoshop program. The other competitor in this market is Quark Express. Both these programs are expensive.
Here is a link that you might find useful for your purposes.
Microsoft Publisher Commercial Printing Web Site
http://office.microsoft.com/publisher/prepress/default.htm This site is dedicated to providing users with technical help for using Publisher in a commercial printing capacity. It has a technical tips area, a search engine, and tutorials.
Not sure what version of Publisher you have but the reference books on this program are sparce especially for 2002 (XP). If you are used to working with MS products, this programs shouldn't be too difficult to learn.
HTH