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.
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.