I am a Scrivener user, and I absolutely recommend it for writers. It is pretty much completely customizable, and you can keep all your notes/worldbuilding/outlining right in one place. It has some pre-made templates for novels, non-fiction books, and even screenwriting. As far as computer software goes, it is relatively inexpensive, and you don't need to constantly buy new versions every couple of years.
It also comes with an interactive tutorial to help you get familiar with the features. While formatting can be dependent on the publishing route you decide to take, Scrivener does have some built-in templates for Front Matter, where you can add a cover, a dedication, copywtire page, title page, all preformatted. When you compile your project (export it to a word processing document like MSWord), the Front Matter will be compiled with the rest of your manuscript, making it look more "official" if you will.
There are a lot of decent writing/writer programs out there. I've tried a few of the open-source/free options, but they've never measured up to what I've been able to get with Scrivener. Honestly, I wasn't sure at first, so I used the 60 day free trial to play through the tutorial so that I knew it was something I'd want to spend money on.