Sharepoint is pitched as the consumer facing glue for your enterprise.
You need document templates? You need to discuss a project? You need to collaborate about something? You need to have a workflow around tasks/forms/documents? You want a company portal for all information?
It is the definition of "Enterprise Software" and is pure overkill for the small business unless you are using the free WSS version that comes with Windows Server 2003.
That said, there are some very cool things that you can do with it when you integrate MOSS with Office 2007 like multiple shared calendars and task list integration.
You will have to ignore the magic behind the scenes though!
Oh... one more thing... skinning Sharepoint to something less than boxy is very difficult, especially if you have a large portal.