I believe I can be of some assistance here.
Coldfusion has CFOath for your one pass needs:
If you need native login components cflogin has the parts you are looking for:
Here is what comes out of the box: http://help.adobe.com/livedocs/coldfusion/8/htmldocs/help.html?content=Tags_j-l_07.html
For password recovery you will have to create something (and I would recommend doing this for native logins to as you want to have features like email notifications to the registered users that their password was changed, and some flow control.
Fortunately for you, Coldfusion is emensly easy to grasp. If you can do HTML then Coldfusion should look very familiar.
Coldfusion costs $$$ but also lucky for you there is a very fast very powerful open source version called Railo. It supports the same functionality with very little caveats: http://www.getrailo.org/
You can play with Railo express and run it on a pen drive. http://www.getrailo.org/index.cfm/download/
I use it frequently when I need to prototype stuff or just play around and make things.
If you do consider going this route. There are lots of useful site like this one: http://www.learncfinaweek.com/ and this one http://www.bennadel.com/