photoshop is probably overkill (not to mention that I probably couldn't afford a copy-Target
Photoshop
Elements? Though for your suggested uses, even that might be overkill. If you get to see NPhoto magazine (independent Nikon magazine), their Issue 23, Aug. 2013, has a round-up of Photoshop CC, Elements 11, Lightroom 5, Nikon Capture NX2, DxO Optics Pro 8, Phase One CaptureOne Pro 7, Serif Photoplus X6, and Paintshop Pro X5, not all of which seem strictly comparable. There's also Google's freeware
Picasa, though some people don't like the way it tries to own all your photos, and by the looks of things, recent versions try hard to shepherd you into Google+ sharing.