What is Better: Template Based Vs. Build It for You Website

Hello,

I am asking this for an independent agent only.

I am a novice when it comes to websites. I am curoius which most people think is better, a template based website versus paying someone to do it all for you ?

Or maybe doing it all yourself ?

If so what software can allow a novice to build their own site and have it still look good and possibly easy changes ?

What I see:

Template based:

Not knowing what the template will allow before purchasing it. Not knowing how easy the changes are to make in the future. Often have a recurring monthly fee. Must fit w
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