The deciding question for me is always what the site has to do, not how it looks on day one. If it just needs to say who you are, what you do, and how to contact you, a builder is usually enough — and being able to update it yourself without waiting on a developer is a real advantage.

Custom makes sense when the site has a job a builder can't do cleanly: bookings, listings that change often, specific search or filtering, or integrations with other tools you already use. The other thing I'd weigh is total cost, not just the build price — your time updating it, and how hard it is to move away later if you outgrow it. Start simple if you can, but don't lock yourself into something you'll have to rebuild in a year.