I currently use ifp3.com which is a really simple to get started web template. Runs about $20-30 month.
I am looking to switch and am currently doing my own evaluation.
Here is an evaluation albiet a couple of years old, but still points you to websites for evaluation.
http://reviews.cnet.com/4520-6451_7-....html?tag=bnav
I am looking at the smugmug pro level site and also pbase.
By buying a web template my son tells me there are issues of web server, security etc.... a little over my head......
Good luck in your search. I will need it too.