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You're doing the right thing by asking first!
CSS is the current preffered method of building web pages, but it's by no mean essential as web browsers will always support use of tables - the support 'may' one day be dropped but that is many many years away.
CSS does have it's advantages over table based layouts, probably the main one is speeding up page loading times. But it will not make the look of your site any different to a table based one.
Regarding upgrades, changes etc, any decent web designer will be able to make changes for you. Always ask about future costs before buying so you know how much an update will cost. As a point of note make sure you have full access details to your site after you have paid for it, some designers/agencies are reluctant to give you these and try to tie you into expensive maintenance contracts!
Search engine optimisation is more about the actual content names, descriptions and descriptive text, rather than the building process, although there are some standard coding methods which designers follow to ensure search engines recognise headings and emphasized text.
Joomla is a Content Management System - this allows you to login to your site and make changes to your content yourself without having to know anything technical. Joomla is not the only CMS, there are many - each suits a particular purpose/scenario. Your site can be based on a CMS but it depends what type of site you want, and the type of content you have.
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