Well... I finally got the answer to my question... the incredible "Sections Box" by Big White Duck. Its amazing and goes far beyond what I need. There really is no end to what you could do. Is it as easy as drag and drop? Nope. You need to put a bit of elbow grease into this one, but the learning curve isn't bad (even for someone like me who is terrible at understanding the technologies of the www) and the results are really incredible.
If you want to see the first thing I have built with Sections Box, take a look at the home page of my website. I currently have three images that I am using the hover options. (FWIW: hovering causes the images to turn reddish and text and lines appear and move into place.).