Hi Rose

I've never used a DIY website builder - we actually provide website design and programming services so build our own sites from scratch.
I do understand though that it's a really important decision to be made and ultimately would suggest that you look at your budget and hire the *best* designer you can afford.
Having seen the DIY templates as well as the end result it would seem that for someone wanting a truly professional appearance online there are so many things that just can't be done with a basic DIY program - plus many of them require advertising in exchance for a free site.
But - if you don't mind the limitations of a DIY program or if you know a bit of HTML to spice it up, it might not be a bad way to go.
Another alternative many businesses seem to be starting out with is to develop a blog presence as opposed to a full-fledged website.
Blogs are great because they allow you to add new fresh content daily and are relatively less expensive to design than an entire website - some offer nice read-made free templates as well.
The thing about a blog is you've got to be prepared to *write* regularly, or search engines will ultimately be unimpressed with your web persona and won't necessarily return you as a result in searches for relative keywords. But, since you clearly enjoy writing then a blog might be a good place to start.
We have our own
in-house (free!) blogging progam PHP Blog Manager - which allows users to add their own custom template - so if you do know some HTML and have an eye for design it can be a fun alternative to programs like Blogger that have frustrating templating systems.
There are alot of 'cheap' designers out there who will offer you a rock bottom price for a website or blog template - but be *sure* to check their portfolios for actual, functioning product online as example of their skills.
The same as hiring a VA - do your homework
I have seen quite a few of the VA's on the forums who are using Microsoft Live (?) to build a DIY website and some of them have turned out quite nice - this might be something to look into - but I'd have to defer to one of those who have actually used the program as to how functional and flexible it is.
Keep us posted on your progress and be sure to show off your site or blog when you're ready