Cartography Shop has some rudimentary controls for texturing. They aren't the greatest in the world, but if you very little skill (like I do) you will find that you can make basic shapes and texture them directly in the program.
I've tried every suggested program on these forums and for me Cartography Shop was by far the easiest to use... it's also has the least amount of features - it's very restrictive. But if you want something that you can drag and click it will do the job.
Be sure to download the demo from TGC because it's very pricey for what it can do
You could also try Bryce or Poser, but to be honest they produce high poly models and I think it would be a real bear to convert your creations from thier native formats (I think you can export as .obj files) to .x files and who knows if textures will get lost, screwed up (inverted) etc. etc.
I feel your pain for finding a 3D program that has a simple to use GUI. (so sue me I LIKE playing with legos!)