If you are good at Word and Photoshop (or Gimp if you want something free) you do not need InDesign. Of couse if you as in the 5th Edition want books that have tailored graphics for each page you should probably go for InDesign but you can get very far with just Word if you know how to use it properly. With the 4th Edition white page background it is very easy - the fonts you can find on the Internet (DnDLolth, DnDVecna, DnDIcon,Mentor Std and Mentor Sans Std). If you want to have colored pages you have to add PNG graphics in order to be able to overlay pictures on the colored background, but it is good enough as far as I can say. I have printed out some very graphic rich material on Lulu.com and the quality is really good and not very expensive. Send me a mail and I can forward you some templates,
myrhdraak@spray.se
/Myrhdraak