Hello, Phillip Gold. You asked a very interesting question in my opinion. I think that the author of this post will certainly answer you, but I'd also like to give my opinion. I think that the choice of a template or a custom solution when designing a website largely depends on the specific needs of an organization. In my opinion the detailed answer to your question can be found in this article App and Web UX Design. Each approach has its own limitations in implementation, as well as a number of advantages.