Silly me, forgot the three questions
1) What's a good program to use for a beginner but computer literate kind of guy?
Openoffice.org, with the ExtendedPDF macro. It can read Word documents, and once you set headings (which you should have done already) it can give you a fully bookmarked'd PDF.
2) How much does it cost?
Zero dollars for license, a significant download (around 80 MB, IIRC), and perhaps an hour to setup and another hour to learn to use.
3) How difficult is it to use?
For just PDF creation, it's great. If you don't use Word's intricate features, you may wind up replacing MS office with OpenOffice -- and even if you don't, you'll pick up on the differences quick enough.
OTOH, if you do use Word's intricate features (i.e., you create macros, use the built-in references, etc.) you might just go crazy at it.