It all depends on two things: Time & Money!
If you've got 6 months or more and have got a reasonable $ then you may go for "from scratch" type. Otherwise there are templates available with full payment processing, checkout, shopping carts etc = you only need to customize them and get your content, info and images in them.
Yes, the "scratch" thing gives you full power over your project - and could make it unique.
The "template" one would give you speed - precision but may not be unique and could lake features.