Deb,
It all depends on what you want to do with it. There are alot of things you can do with ham radio, from setting up your own amateur radio TV station (yes, with full video and audio), to doing moon bouncing (bouncing your signal off the moon and have it hit a location on earth), utilizing amateur radio satellites, etc...
If you just want to talk to people the "normal" way around the world, than you'll need to get a General Class license. I believe the code is only 5wpm. You'll probably want to start out with the technician class license. There are no code requirements for this license. Get the book, take the test, and you can talk to people in your area (VHF/UHF). This license also lets you talk on 6M, which means you can probably talk across the country at times.
To sum it all up, I'd say it's a 3 on your scale, if you just want to talk to people via voice. Start with the technician license, get a good base station (2M & 6M), and go on from there. What city/state do you live in? There is a big ham event that happens every June called Field Day. All the clubs around the world get together for a weekend, and operate their radios 24 hours non stop. It helps demonstrate ham radio, and get's people involved. I can tell you where it's located in your area if you like...
Rod