Users of Macromedia's Dreamweaver have access to professionally designed templates. Similar to FrontPage themes, Dreamweaver users have a large library of Macromedia and third-party templates from which to choose. This option is listed last because it's the most problematic. Nine times out of 10, designing your own site should not be a viable option. Admittedly, designing a site on the Web can be fun, but if it's your business you need to be serious.
Some people have a knack for design and can pull it off.
But these individuals are rare. If you're an artist, it's possible you could do it. If you have a penchant for publication graphics, you might be able to succeed. But even if you have an artistic flair, knowing how to translate it into your business Web site is an entirely different matter. For a variety of reasons, site design is among the most challenging design work out there.