WordPress.What program will give me the most flexibility with templates, easier to use, and can have it up quickly.
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Seriously, do you even know what your on about? You say WordPress is no good because it isn't flexible enough, you cant ad an advertising banner, and have different amounts of columns. Well, all everything you just said is incorrect.
I could make a site exactly the same as the one you currently have. I could do it all in WordPress, and apart from the URL's you wouldn't even notice the difference.
And the fact that Dreamweaver and Wordpress/Joomla are completely different. They do completely different jobs, for completely different reasons. And you say that they will charge you whether you use FTP or Wordpress, well they are both completely different bits of software, FTP is a file transfer protocol, and WordPress is a Content Management System. if you use WordPress, your going to have to use FTP to upload the software in the first place.
Use Drupal, Why? because you dont want to use WordPress or Joomla.