Depending on the goal of your website, using web design templates can be an affordable and efficient way to build up a professional website for your traffic projects. I’m not crazy about using them for professional site identity projects, but for creating a more generic content site, templates can suit you nicely.
Some are rather unweildy in both code structure and graphical elements. You’ll find many that overkill the flash a bit as well. However, if you are in need of something quick and dirty, and have some rudimentary html skills, you’ll be able to build yourself a decent site in a relatively small amount of time.
My friend sells several design templates if you are interested in going this route.