As far as I know, most linux distributions are free for home use. I would suggest SuSe, since it comes with a lot of programs (Gimp included), and has user firendly setup tool.
However, before you venture into linux, make sure that the distribution you will have is compatible with all of the hardware you have.
From personal experience, making non-lan networking work can be pain in the rear end.
Of course, there is always possibility of actually going to the shop and buying linux distribution, but that does not have to be buying stuff that everybody else is downloading for free, since many of the distributers are then giving you support, which can sometimes be crucial in order to make your computer work smoothly.
If I scared you, than I've done what I wanted. Now I sound like an evil Microsoft person, but I am saying that one has to be prepared to install computer for one whole week.
Sometimes it happens that you can install everything in a single afternoon, but that is usually not the case.
I did see that you'll have linux installed in your local shop, but before you do that, ask them what kind of linux they'll install, since installation of additional software in Debian distribution is usualy linked to a lot of stress and broken furniture
I do not know Ubuntu, but am pretty sure that SuSe linux is user-friendly enough for nongeeks like me.
To make this picture less pitch-black, once linux is succesfully installed, you'll have computer which can crash, but extremely rarely and you do have to be creative to do that. My computer at work is running all the time for the last year or so, and I restarted my computer only after I updated kernel, or had to do something in windows, which was a rare event.
By the way...my next home computer will be dual boot Win-Linux with 20% of HDD space going to windows and the rest to linux.