The Ghia is classed as a Luxury spec, it's the one that comes with the awful fake wooden dash and other 'toys' such as heated seats, cruise etc etc.
The Zetec is classed as the more sporty model, these come with bolster seats, stiffer suspension and different dash colours etc.
Basically if you were on the motorway all day I'd 110% want the Ghia, if you're around town doing the occasional A road you'd want the Zetec.
Also try and get one with a Climate Pack it's almost a neccesity (heated windows for winter and AC for summer!)
I do get the impression from your OP that the Focus is the one you're after. Great first cars cheap to run, parts cost pittance, servicing you can do a LOT yourself and I almost certainly would with an older example.
Yeah I want the Focus. Just have to be sure it's not going to cost me too much to maintain. If they don't, as you suggested, and I can afford it I'll get one probably.
Zetec it is in that case
Climate pack as well if I can 
See, I didn't intend to hoon my motorbike around either, but I still manage to accelerate upto around 100mph though my tiny village on my way home from work at 2am lol. It does just kind of happen haha.
) and I feel it has plenty of nip about it, but maybe thats just becuase I'm new to this whole driving thing. Thoughts?
(well not actualy one year, 8months of ecar pay-as-you-go which gives 1 year ncb after 8months)