Web templates are ready made designs. Web template is just like a premade ready layout. User can make modification to it or use it as a base to jump start their web site building. A nicely and optimized design can bring lots of convenience to web designer or web developer. An effective web template allow one to jump start the design process and quickly move on to content building, allowing one to save more time in the process of building a web site.
When it comes to the high-priced website developers, they are going to have a reputation to back them. They are going to have a portfolio of professional websites they have created that are going to speak for their work. High-priced website designers are going to have people who could vouch for them as well as have a very strong web presence. This is the reason why they are going to be priced so expensively, because what you are really paying for is a degree of certainty, not necessarily superior quality.