With a Pre-Designed Website Template, you do not need to have as many artists and programmers. Some templates are already pre-programmed. At times, you will want to use one template that was made for one CMS with another, in which case you will need a programmer. Other times, you will want customization of a template, in which case you may need both a programmer and an artist. It varies. These templates are also useful when you want to figure out what general “image” a client is wanting to project.
KEEP IN MIND THAT SOMETIMES THEMES FOR ONE VERSION OF A CMS ARE NOT COMPATIBLE WITH THEMES OF ANOTHER VERSION. THIS IS VERY IMPORTANT WHEN DRAWING UP A COST-ANALYSIS.
The premier paid themes site. They are awesome.
Just about every CMS has free templates. Here are some sites I turned up with a quick google search