easiest way for a customer download area

Hi,
I am a casual WordPress user and I have a requirement for a site that has a customer login area which works as follows:

The customer is given a login and password which gives them access to a page which simply gives them a list of downloadable files that they can download for free. These files are only available to those that have been given the login and password. However, I don’t want those users to have any WordPress details or any of the admin/toolbar stuff – just a page with perhaps a menu option to change their password and a menu option to log out, log back in etc and some blurb and then a list of files.
I have been looking at various plugins (particularly “Customer Area”) but have got my knickers in a twist trying to set them up and am struggling to remove the admin bar and achieve what I want to achieve.
Does anyone have any suggestions?
Huge thanks
Kate