Sorry to be an ass, but I had to thank kristen018 for the laugh I got outta this:
that <!-- > code is for people who steal my iframes code
Sorry, but who in their right mind would wanna steal iframe code? iframes are... icky, for the lack of a better word.
Anyway, so that this post isn't just a flame, I'll help you out. :) You don't have to deal with themes or anything if you don't want to when making your site. Check out one of my WordPress installations for example that isn't skinnable (doesn't use the WP theme system):
Look basically for the code starting with this:
// If there are posts, display them
while ( have_posts() ) : the_post(); ?>
Starting from there on is the layout for a single post which will be used to output each post.
To see it in action, go here: http://www.finalgear.com/