2 Answers

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If you are comfortable editing templates (html, css) and just need a head start then you can buy a template and modify it but if you don't feel comfortable making changes then hire a developer. Remember over time you may need to make changes to your template to keep it compatible and working with the latest version of WordPress but this is the same for most content management systems.
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It really depends on your skill levels and the time and money you have available. It is fairly easy to update and add content to wordpess but unless you are very skilled you will still need access to a developer to help you when things go wrong (which they probably will at some point!)
It will also depend on whether a template does what you need it to do. Why waste money gettinga new one if a template has what you want??

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