Hey Scott--I'm a big believer in making templates, as they can save you a world of time in the long run. If the site will only have a handful of static pages, then it's probably not worth your time... but if the site's pages will have dynamic content or navigation in the future, then I think it's definitely worth your time.

But with all that said, I end up coding my sites in freakin' notepad--which results in a lot of swearing in the long run--along with promises to buy those expensive html editing software packages...

Why not share the domain, if you want some feedback along the way.