Almost all the tutorials out there are geared toward an administrator, not a user.  I did find a few links though.  If you find anything useful, I'd be very interested in hearing about it.

• AcQual Ulitmate Typo3 resource
• Typo3's video Quick reference.
• Typo3's Tutorials (scroll down to "Helpful Typo3 Tutorials").  NOTE: this is for an earlier version of Typo3, I include them because it's one of the few places I've found user tutorials, not developer tutorials.  So if something seems different, it's likely because the version shown is not what we are using.
• The Web Empowered Church's website has some excellent tutorials in their help area.  Many of them are geared for an admin but here are links to two areas that you might find useful. 
  • Using the Rich Text Editor
  • Common Tasks

General website planning and some on content design.  Good sources if you are planning your website's structure and content delivery

• Usability.gov
• Usability First
• User Effect

Drupals "home" is http://drupal.org/ there you will find documentation as well as an extensive community where you can ask questions (I have!).  They also have a beginners cookbook which shows everything about setting up a simple site.  Please note that some of the topics cover administrative aspects of Drupal, and you may not have access to this. 

Some other resources:

http://mydrupal.com/12_top_of_the_class_drupal_tutorials_for_beginners_developers_and_intermidiates

http://learnbythedrop.com/beginners-guide-to-drupal

I'll add more as I find them.  

Wordpress's home is http://wordpress.org/.  Their documentation is here http://codex.wordpress.org/Main_Page and you'll find their forms here http://wordpress.org/support/.  They have a "Lessons" section as well http://codex.wordpress.org/WordPress_Lessons.

Other resources

Wordpress beginners http://www.wpbeginner.com/

Another Wordpress beginners site http://www.1stwebdesigner.com/wordpress/wordpress-step-by-step-beginners-guide/

A site that has a list of helpful beginner sites http://onwardstudios.com/blog/five-beginner-wordpress-tutorial-sites/