There are many, many sites out there with free templates (and even more where you have to pay). Unfortunately a lot of them seem to be very flashy with lots of graphics and heavy coding which is not what I am looking for.
I checked out CSS Zen Garden and found that to have a reasonable selection of templates although I wish they would have a small screenshots so its not necessary to open each one individually.
The closest I have found to my idea (eg. text in boxes) is a very small site that allows you to copy the code and use on your own site. I am trying to manipulate it and have worked for a few hours to tweak it and still have more work to do yet.
Maybe there is a market for somebody to design a website with free simple templates - a sure money earner!!!!
In the meantime, I am still searching the www in case there is anything else close to what I would like and at the same time trying to use my limited coding skills to adjust the design so it looks like it does on the inside of my head