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.
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.