Hi
If you haven't already validated the market, then it would be best to start with something simple and the option with the cheapest costs.
If you see that there is in fact a need for your service, you can always start developing your own version whilst the template version is running.
If you the costs of the templates are close to the costs of the 'made from scratch' (MFC) version (which would sound strange), then you need to take into account the following:
1. MFC version usually takes longer
2. MFC version usually has additional 'surprise' costs.
3. Template version has limited ability to make changes.
If you decide to go for the MFC version, make sure that:
a. you have a development contract with the developers
b. you chose developers that you can trust (have recommendations).
c. Don't ever pay the entire amount upfront. Always pay only after each milestone has been done, and leave at least 25% of the payment for at least 2 months after they have signed over the project (in case you discover bugs).
d. Make sure that after every stage they send you the code.
Good luck
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