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.
While people having skills in HTML and other web scripting languages can opt for designing their own site it is not a viable choice for everyone. Some of the web designers use pre defined and readymade web templates for quick and effective site designing.