Could I throw in another clarification question on CMS? I've seen them offered as a way for a website to be set up by someone who "knows what they're doing," and then allow the client, various departments, etc., to add their own content. When you say that a CMS can be used by anyone, does that mean after the beginning set-up, or are there some now that do so much of the work that all you really need to do is install it on your server?
And, also, this may be a really broad question, but what exactly are CSS capable of? The program I use (see below) can do some things as far as page layouts/styles and navigation, but I have the feeling "real" CSS can do a lot more.
One thought on "themes": If you're using FrontPage, its themes seem to be basically the same thing as what some other programs might call styles. That is, they give you banners and headers and buttons and color schemes, etc., automatically for whichever theme you choose. I don't normally use FrontPage but have had to take some classes in it for my day job, and I think I understand it that far.
I've seen the word "template" used for this same kind of thing, but templates in general seem to go further and give a complete page layout as opposed to just the separate elements. Some site templates even start you out with multiple pages set up in a specific configuration.
As Mack said, templates are usually set up by other people, to be filled in by someone else. But I do make my own page layout templates so I can save them and use them again.
I feel like I should put a paper bag over my head before I say this on this website, of all places, but there are site-builders that aren't online, and I use one of them regularly to build my sites; I don't use it to build sites for other people--as in clients who pay me for the work--but some users do.
I gravitated to it because its FTP function is built in (unless you do something complicated), and you can use it without knowing HTML (although as you learn more HTML there's more you can do with it). When I was first starting, FTP drove me crazy and I didn't want to wait until I learned HTML to get a site up. Now I'm expanding from those beginnings, but I still use the site-builder program and am pretty active in its users forum. There's a lot you can do with it when you know how.
Its advantages over online site builders are that it can be used with any webhost and it has a lot more functionality, options, and possible customization. The disadvantage is that it's not accessible by browser, so isn't really made for multiple people to work on one site.
----I just wanted to add that to say that not all site building programs are online.