When you hire a professional web developer to make a website for you, it is also going to cost way more money. There are low-priced developers, and then there are high-priced developers. But no matter what you are going to end up paying way more than what you expect. Each one comes with pros and cons. Low-priced website designers are not going to be that experienced, but that is why their prices are going to be so low. This does not mean that they do not have the skills; they just are not proven enough yet to warrant a high price.
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.