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.
In the old days people would always hire a professional website designer because they felt this was the best way to ensure they got a professional looking website made. Companies and individuals were willing to spend thousands of dollars for the chance to create a web presence that would give them a good image. Nowadays, especially because of the state of the economy, many companies and individuals are deciding to go with website templates instead of a website designer or developer. There are a multitude of reasons for this.