I designed my own website using a wordpress Divi template, this is good as it's a responsive template meaning it will adjust to look great on whatever device it's being viewed on iphone/ipad/android etc and being a photographer image presentation is everything ..
Reasons for designing and building myself are I like to be in control and not have to contact a faceless web designer when something goes to the wall or I need to make changes, I thought that if I learnt how to create a site then I will be able to maintain it better as I'll have knowledge of how to access and work each page. Another important point for me is it is very personal if the business owner has big input into their website and literature, after all it is you that will be liaising and doing the job and your personality will come across if you have enough input.
Also I feel a sense of achievement when someone comments on my website looking professional and ultimately generates my income as is responsible of how I pay the bills, at the time I didn't like it but a web designer copied my site design, colours and used copy virtually word for word, I hit him with copyscape -
http://www.copyscape.com/ and few strong warnings and its now been toned away from my site.
Good luck with your own website and don't be frightened to have a go yourself and save your big budget