You can also download an app to create minis from any image from the RPtools site, which is a bonus if you don't like scouring the net for minis, as well as a couple other tools.
Just to make this clear in case anybody misunderstood, the image tool MrGrenadine is talking about is made by the same people that did MapTools, but it'll work with any application that can take image files as minis - it does not require MapTools. All it does, really, is take an image you give it and lets you pick what part of that image to put in a nice border. Then you take the resulting image and use it wherever you want.
I play in the same game as Hussar, and we use TokenTool generated minis all the time. (We use OpenRPG.)
My company makes us use Skype at work to save money on international phone calls (we have offices in Europe and Asia). I think that Skype is very easy to use, but I've been using computers for almost as long as I can remember, so it's hard for me to say how easy it is for non-tech-savvy users.
If you've ever used any sort of internet-based chat client (like AIM, Yahoo chat, MSN Messenger) you'll probably find Skype very easy to use. It's basically the same sort of thing, except it's specialty is voice chat instead of text chat (but it can do both).
You download and install the client, make an account, add people's accounts to your contacts list, then double-click their name to make a voice connection. Once you're connected to one person you can go back to the contact list, right-click on somebody else, and choose "add to conference" to add them to the call as well. Repeat until you have everybody.
You will need some sort of microphone and speakers for Skype, but you'll need those to do any sort of voice chat with your computer, regardless of what program you use. A headset will probably work best, but any combination of mic and speakers will do.
Skype is free, but if you really like it you can sign up for their paid features to be able to do things like call real-world phones and cell phones. Calling from one computer to another is always free, though.
Personally, I find it easier to roleplay and not be self-conscious about it if we play the game all text-based. If you're used to playing in person then you'll probably want to stick with speaking, but don't discount purely text roleplaying. It's very possible and enjoyable to do all your roleplaying with a keyboard, and it's my preferred method for computer roleplaying.