Okay, I'm sort of clueless here....but I need a drill to just do some
general tasks around the house. Nothing large at least yet, but I
might as well just buy one drill and keep it for the rest of my life
(or at least 20 years).

After looking around the web I'd sort of decided to buy the Milwaukee
0622-24 18 Volt 1/2" Lok-Tor Driver/Drill Kit but then I realized that
for $10 more I could get the 0624 which appears to be identical except
for the "hammer" feature.

I don't think I have any reason for a hammer drill, but is it true
that the drill will be the same besides the hammer option?

Any thoughts?

Thanks
Sam