Brandon,
You have 3 things to consider really. Your time, your budget and your brand (or how seriously you want to be taken).
Taking the last point first, if this is for your business, which I'm assuming it is, you want people to do one of two things when they find you online - call or email you. The only way they're going to do that is if your site looks better than the competition, or if you have no competition. If you have no competition, then the professionalism of the site matters less. However, people are getting more Internet savvy each day and even if you generate tons of traffic to your site, if it doesn't have a professional look, you won't get the business.
Like any other kind of marketing you do, you have to look at it as an investment. You can invest a lot of time to do most of the research, writing the content and learning how to put a site together and generate traffic, or you can invest money and hire someone to do it all for you. Regardless of where you come in with your time versus money investment, you'll need to do some research.
Check out these sites and enter some common search terms that you think people would use to find your business on the Internet.
Free Keyword Suggestion Tool From Wordtracker
Google Trends
Go to Google and Yahoo! and see what your local competition is like. This will give you some idea of where you need to be with your site.
Your time and money investment will then come into play as you'll now need to figure out if you want to try and do it yourself with a GoDaddy template, or maybe you decide to purchase a template from Template Monster (see link below) and either customize it yourself or hire someone to do it for you. There are a lot of cheap web designers out there that will also put something custom together for you relatively inexpensively. If you go that route, just make sure you get a good look at their portfolio so you know that they're capable of coming up with a design you like.
Web Templates, Flash Templates, Website Templates Design - Template Monster
Lastly, don't look at it as a "fire and forget" kind of deal. Among many of the things you can do to help your site in search engines is to have information relevant to what the search terms are that people are using to find you, and KEEP IT UP TO DATE. If people don't get the sense that your site is current, they'll often assume that you're no longer in business.
I've got tons more advice if you'd like, just send me a PM.