I'm not a big fan of cookie-cutter templates. But freewebtemplates.com has some nice visual templates.
I think making your own site leads to individuality, even if it's not the most graphically appealing. The one place where you may need a template though, depending on your level of expertise, is when you want to provide something intricate, like a forum. For sites like these see phpBulletin.
-vol7ron