Theme OR a Theme Framework combo?

Hey there.
Totally a newbie in all of this and was plowing the web for some info for people like me. I am not a designer (although i do have some PSD background) not a programer (but did manege to create a few websites via Dreamweaver and did study HTML a long long time ago). I have no desire to create themes for clients but i would like to create one kick ass, ever evolving, blog for myself (given the above skills, or the lack there of).
Would a person like me benefit from a framework+theme combo and if so what would be the best theme for this? a pre-designed one or rather something of a more open nature like Prose (for Genesis) or Dynamic (Catalyst/genesis).
would be grateful for any incites on the above.

Thank you.
D