1, yes or something similar
2, look around for something you like and the developers name is usually at the bottom of the page
3,Steer clear of the £75 ones, they will be using standard templates with little adaptation.
4, Yes, find a website you like for your type of business and use that as an example.
Uncluttered white background is the latest trend, and it is also very readable, think who you want your website to appeal to and unless you are trying to catch the eye of the 14 - 20 year olds stay away from fancy graphics and black backgrounds.