I agree with all the comments above. You have put a lot of thought into your decision and you are making the right choice by far. Obviously we can't make the decisions for you, but we can only offer our support.
Like Marco said, there are a lot of options in the Administrator Control Panel which will simplify your life. It's quite easy to get your head around things when you get the hang of it. Jelsoft do offer an installation service but I am also sure that you can find a coder on here to install it for you a little cheaper. It's a nice smooth easy job
Mods are the easiest thing to do, all you have to do is upload files and import a product and it is installed. There are a few that require template edits, but all this is listed in a readme file that comes with the mod, so its easy to follow as long as you read it all the way through and follow what it says.
You do not need to be a coder to use vBulletin. I say go for it