Hi Mike,
Your project's big picture is too generic to decide if Struts if right for you. However it is not question of IF, but WHEN you will start using a framework to handle the necessities of the web applciation. Whether Struts or WebWork, Tapestry or Velocity - you will end up chosing one.
You can choose Struts for any projects more than 2 months of development time.
Getting up to speed with the frameworks takes time and you can substantiate the time spent only if you can show the ROI on that time. If your project already has a experienced developer, there isnt even a scope to look back on whether or not to use Struts.
As you want to seperate the business logic layer from presetnation logic - you will go either the regular
Java objects, Session EJBs or lightweight containers like Spring.
Using O/R tool is definitely advisable for Data access layer if your project's development time is 4-6 months or longer.
Srikanth
Author: Struts Survival Guide - Basics to Best Practices