Got a working form with all the bells and whistles in less than 20min and I am no developer!! Used Dreamweaver to create the form and pasted it right in. Even validation was easy as well as sending the user feedback that the form was sent out.
Only problem was that in Joomla 1.5, my global config server mail setting was not right and created an error so I changed it from PHP to sendmail and its great!
I am so happy!