I haven't really played around with the newest site builder and it's templates yet. The web builder has changed a lot in the last 2 years. It use to be like front page or dreamweaver. Don't get me wrong, I like the templates. They are a great help, but I really miss all the HTML access when I got started, like the head section. Some sites want me to prove my web site is my site by adding a line to my head section. I don't suppose there is a way to merge the two site builders or give an option to which route to take. 

Is there anyway to modify the templates? There is one template with picture frames containing photos. Changing the stock photos with your own would be really cool! It also make the template more personal and versatile.

Overall, I'm really impressed with how much the web builder has improved! It is definitely user friendly to people who are use to the social site users. I'm also impressed with GDI's desire to improve the product.