The question should be interpreted from a general point of view and not targeted solely at web apps or desktop apps.
I have been looking around to find a simple and
If you're talking about mock-ups/wireframes (i.e. static pictures) Visio is a tool of choice.
Most software you mentioned is either above the level of the normal business user (i.e. you'll need a specialist to do the mock-ups as opposed to the business users helping you) or are not created for the purpose of mock-ups.
If you need a dynamic prototype then there a plenty of options and everything depends on the type of skills you have available in the team. For example I have a guy who is very strong in HTML. It would be much easier for him to create a HTML page from scratch in notepad that try to do the same thing with Flash in a WYSIWYG tool. Some other people have good Flash skills and could employ them etc.