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.
Web site templates are also used for generating massive number of web pages by means of a schematic layout. Template based web designing is best when one requires building a site that has lots of pages and navigation link. It is ideal to use a web template if the site needs to be updated from time to time.