Finally, to answer the question, "do templates turn you off a lot," it depends on the level of service. Certainly, a provider on the high end with a cheap, templated site would likely raise a red flag. On the lower end, it's almost expected these days. Remember, the site you put up is your calling card. Until someone actually contacts you, it's one of your only means of communication with potential clients (other than, say, paid advertisements). The impression it leaves will determine the type of client that responds to the site.
