Pretty much any website that accepts direct input from users (i.e., posting pics, text and chat) needs to be run by a professional. Otherwise, your site will be over-run by SQL injections and cross-site scripting. That's why free websites use templates - so that they can control the content.
In other words, unless you are a webmaster, you'll have to settle for a template-based paysite. Check out webs.com or GoDaddy.
