What Beginner Video Editing Software Should I Use?
I think pretty much every editing program would allow you to zoom, pan and insert text. Inserting another video into the main video is a little more complex and the only program I know for sure that does it is After Effects. But I'm sure there are others that will. 

I would suggest using Premiere because it's a very powerful program. Even though I've never had to insert video into another one like you've described, I'm sure there's a way to do it. You don't have to learn the program inside out to be able to edit in it. There are hundreds of tutorials online that take you step by step through the process. A quick Google search would reveal that. 

However, if you still don't want to go with Premiere, here is a list of free video editing programs that might be able to do the job. I haven't used any of them so I can't make a recommendation – but it's a good starting point.