Here are some factors to consider:

Premade Blog Templates

Pros
They are free!! Everyone doesn’t mind getting something for free.

There is a wide selection to choose from. If you have a popular blogging platform like Blogger or WordPress, you will be able to find a suitable template without a problem.

There are always new templates out there. Web designers are always creating new templates so there are always fresh templates to choose from or to switch to.

Cons
They are not unique. Other bloggers may be using the same template that you are. Who wants to see the same template on every blog?

The best templates are used by everyone. There are only a select amount of templates out there that everyone wants. If this is the case, again, you will see so many blogs using the same template. This gets boring after awhile.

Custom Blog Templates

Pros
They are very unique. People will not have the same template as you do because you can have your template customized any way you want.

Helps you stand out from the rest. Having a customized blog template will help people remember your blog. They will keep returning to your blog which is a very good thing.

Customized templates are usually much attractive. Designers put more effort into their custom templates rather than the free ones. They make them look more appealing to bloggers.

Cons
Custom templates can be expensive. I have seen custom templates range anywhere from $200 to about $4000. I don’t know who would pay $4000 for a custom template but there are bloggers out there who would. I am sure most bloggers stick to the lower amount. This is really the only con when deciding to choose a custom template though.

Custom vs. Premade Blog Templates is a post from: Jvazjrs Blog

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