Hi Rick,
I don't know anything about zoov.co but I wouldn't advise going the "click and install" Fantastico, etc. route. From bitter experience I'd recommend installing yourself (Moodle installs really easily) and being in total control of your site.
Moodle can be really heavy on a server but it depends on the type of course you run, not so much on the number of students. If you just want to put up some content, assignments and low forum use you don't ask much; if you do a lot of interactive stuff with Quizzes, Hot Potatoes, hundreds of forum messages a day, etc. it'll be much heavier.
Techier people than me will explain in more sophisticated terms.
Cheers,
Glenys