Hi Brenda,
I don't use templates except for WordPress and Joomla. Most templates are table-based for layout, which make them way less search engine friendly, tables can break in some browsers, aren't cross-browser compatible, are too rigid for my tastes, aren't W3C valid (
http://validator.w3.org/docs/why.html), and just aren't what tables were/are intended for - tabular data. Then you have special needs site visitors that tables aren't as accessible to that you need to consider. Those are just a few reasons.
For web design clients, among other questions I have, I have them find me at least three sites they like as far as layout, colors, etc. and then design from scratch using (X)HTML and CSS.
Just my 2-cents.