You should really, really ask a lawyer about this. It's highly unlikely that a layperson is able to come up with a reasonably flaw-free, working, and actually enforceable license agreement, just as it's not likely for someone with no programming experience whatsoever to write useful software. In case you're considering it. you also shouldn't copy license agreements verbatim from somewhere else without further research since the text of those license agreements may not be legal to copy.
In short, if you need a license agreement, you stand to potentially lose something, and in that case you should ask for advice from someone who knows what to do.
(edit as response to OP edit) The CC licenses were devised by lawyers, i.e. by people who have studied and are qualified to write legal code. They did the (very hard) work of providing easy tools on how to apply that code to your work. That's why it looks easy. If you start from scratch, it's definitely not easy. Of course, you could whip up a few lines. but you should do that only if you don't plan on having to enforce that license in court.