with their membership options, you get quality templates, a gallery builder, submitter, etc.
I've seen some of the $5 a pop galleries...sometimes they are worth the $5 ;-)
beyond that, it's a matter of what quality you think you can get vs. a template from this site
I believe limjoe is on his way to Florida (or somehwre in between) but I'll shoot him an ICQ to this thread and he can explain better than I can
