First of all, 69-design, it’s not illegal for professionals to discuss pricing. It’s illegal for professionals to agree to fix prices. Check out this link from the US Department of Justice:
http://www.usdoj.gov/atr/public/guidelines/211578.htm
Here are two discussions covering what web & design workers charge (one from the UK):
http://joshuaink2006.johnoxton.co.uk/blog/256/how-much-do-you-charge
http://peterflaschner.com/archives/289
69-design, I take issue with your statement that “designers are ten a penny.” I’ll go so far as to say that the internet would still be a tiny, obscure refuge for lonely geeks if graphic designers, illustrators, video artists, and the like hadn’t entered the game and made it the multimedia-rich environment it is now. At starting positions, designers command similar compensation levels as do IT professionals—and at high-level positions, considerably more.
Sean, web design isn’t programming, although programming is an important aspect of the field. It’s called web design, right? It’s true that as a web professional you should be very fluent in HTML and CSS, as they are the lingua franca of the web. Outside of that, you certainly can’t be an expert in all the other computer technologies out there, and as several posters have mentioned a good strategy is to partner with professionals who are experts in the technologies you wish to incorporate in your work.
In my own work, I’ve found that my design background (I’d been doing design of different sorts for thirty years before I started in web work) has been extremely valuable to me in terms of creating a market for my business. Understanding form, color, composition, and other facets of classic design training will allow you to work in virtually any visual medium. You’re not locked into a technology that will become obsolete in a matter of months. With a solid background in Design, you could later pursue industrial design, photography, motion graphics, what have you.
When you’re just starting out, it’s important to get a lot of experience fast. Do work for friends, family, clubs, nonprofits, etc.—even if it’s for a very modest rate—you need to build a portfolio to show what you can do. Look at all sorts of media, not just websites. Look at video, magazines, go to museums & art galleries. Absorb yourself in visual art. Draw, paint, and sketch. Do personal projects for yourself, just to stretch your abilities. Try different styles. Make one basic HTML site and make three totally different layouts and designs, using just CSS and images. Play!
P.S. In order to know how much to charge, you need to know how long it takes you to do something. Get set up with a time-tracking system and use it religiously. I really like:
http://www.getcashboard.com/