Web Builder's UI is a little overwhelming. The Toolbox contains drop down boxes that contain the tools to manage eleven different components of your design: Standard, Images, Form Controls, Media, Advanced, Navigation, Drawing, PayPal eCommerce, Login, Content Management System, and jQuery UI.
Once you have a handle on where all the tool are within the Toolbox, Web Builder is not difficult to use to design a simple site from scratch; but it's not entirely easy either. Use Web Builder's Shape, Polygon, or Curved Closed tools to draw your background components; add text art, clip art, curves, and lines, all found nested within the Drawing area. Add text, bulleted lists, tables, and more from the Standard area; and add and manage your images through Images. Although each drop down area includes a Pointer, or selector tool, you don't need to choose the pointer in the correct area (Images, for example) to select the component.
Web Builder does have a built-in image editor that enables you to make minor adjustments to your images. I had difficulty resizing images while keeping the same size ratio (holding shift only constrains in one direction), and didn't find the image editor great, so would recommend using a real image editor like Adobe Photoshop CS5 ($700), or the more affordable or (both free), if your site is image-heavy.
There are no drag-and-drop design features in WYSIWYG Web Builder--buttons, widgets, color themes, etc.--like there are in (also $50). However, Web Builder does include drag-and-drop navigation--tabs, nav bars, menu bars, to name a few--that are customizable.
Web Builder's templates are not so much jumping-in points as they are ideas. They include only the home page design, and many of the layouts are not adaptable beyond changing text. If you want a WYSIWYG web design program that will set you up with a template you can fully adapt--changing images, text, color, location of objects, etc.--try Xara Web Designer MX 8 ($50).