Chances are, no matter which groups you found yourself falling into above, everyone fits into this group. Budget is always an issue. Chances are, the reason you are considering Site by Nite is because creating a custom web presence is already out of the budget.
Budget will naturally limit your web presence in one way or another, just like anything else, but the image it presents should never be sacrificed. There simply is no reason to settle for a non-professional looking website... the damage done far outweighs any cost savings. You don't have to have all the bells and whistles of big sites with big budgets, but you do need a site that delivers your information in a professional manner.
Keep in mind, the web has grown considerably in just the last few years. Likewise, people's expectations for websites have grown as well. The sites of just a few years ago when everyone was still in awe of this thing called the web just won't cut it any more.