There is a wide range of CMS‘s available for use. Some of them are free like Joomla, WebGUI, Bricolage, Mambo and some of them are commercial ones like Bitrix, Drupal, etc. Joomla notably stands out from the other CMS‘s thanks to its quality and usability.
With website templates you can get the best of both worlds. You can get something that is low-priced, was made by a professional developer, and is going to have at least a semi-professional look that should suit you just fine. These designs have been developed exclusively for professionals and individuals who want a simple solution. You will be able to add your own images, content, etc. to the site. As far as price goes though, it can definitely fluctuate. You can find low-priced templates or higher priced website templates.