I know Line 6 makes something for around $100 that is supposed to be pretty easy/decent.. it's called the POD Studio GX. I've never used that though.
Also, I know you've asked me about my drums before. I got this program called EZDrummer that has pre-loaded drum loops in it. I run it as a VST in Fruity Loops. Not sure how much you've messed with FL, but EZDrummer is really easy to use once you get it installed and loaded into FL.