You don't necessarily need a php programmer to set up with Drupal. Install the right modules, pick a theme and configure them as you wish and you'd pretty much be good to go. The advantage is that Drupal is far better integrated and coherent than Joomla as well as far more flexible which might be a good thing to have available for the future.
For reviews you can use out of the box functionality (just add "story" type articles). Or you can install content construction kit (CCK) which allows you to pretty easily create your own content type custom made for reviews by choosing where to put textareas, link fields and even rating widgets (if you install a fivestar module). For example that's how I created a "review" content type for Site2Review. For me CCK and views are pretty much killer apps of Drupal.
For classifieds you could try Classified Ads module.
For the DB CCK might be the best solution. You can create another custom content type for database entries with custom fields and use custom search
For the store there is ecommerce.
I suggest, if you can spare time, to try all of the candidates before deciding. Install it for a test, install the modules, tinker a bit and see how you like it.