Web Site Design Software
I'll add my vote for Dreamweaver, as well. It's a great tool and doesn't create too much bloated junky code. I prefer using a dedicated FTP client... they're just better, and i guess i'm "old fashioned" that way... use the right tool for the job. I've never used Fireworks, though i hear it's quite good. I use Adobe Illustrator/Photoshop/ImageReady for prepping all my images.
Keep in mind that software is just a production tool... rarely does it help you in the process of creating a solid site concept with well-thought-out information design and navigation.
I have to admit, being a professional designer, i'm a bit of a design snob... not because i'm elitist, but because design is an intrinsic part of how the communication process works, and the role of the designer is so often taken for granted. If you're considering going into business developing Web sites for people, i would heartily recommend studying Graphic Design/Visual Communications or teaming up with somebody who has.