I am building my new website at the moments and am currently using the following programs and code to build it:

http://www.medialab.com/sitegrinder/
I have been using this program now for 2 days and am incredibly happy with the ease of use. I think a strong knowledge of Photoshop is required but if you have the PS skills you will be very happy with Sitegrinder.

For my full screen flash galleries I chose http://www.oxylusflash.com/flashfiles/amazing-fullscreen-panning-photo-gallery-as3
I like the user interface and the huge images that can be zoomed in and out along with navigation.
I certainly found customizing the code to these galleries challenging. Of coarse I am a photographer not a coder!

Since the full screen flash galleries take some time to load, do not work on smart phones yet, and may not be what potential customers are looking for I am also building HTML galleries through Bridge in PS CS 4.

For my VR galleries I chose http://www.immervision.com/en/multimedia/multimedia_technology.php
I really like the end user viewer and full screen ability as well as Pure's compression.
However I could not get Pure Tools to work on any of my Macs. They claim that the Mac software works. I did not get any replies to my emails or phone calls. Finally I dusted off my PC, fought with all the pop up and errors after I turned it on, crossed my fingers viruses did not eat its brain and loaded the Pure Tools on it. To my surprise it worked beautifully. I must say I really like the animated flairs that can be added to the VR's.

Other programs include:
Fetch
Dream Weaver
Photoshop CS4
Bridge CS4

My site should be ready to launch in about a week.