[eluser]Hermawan Haryanto[/eluser]
Hey webdude,
Few months ago I build a site, kind of a mix between youtube, multiply and flickr. Allowing member to run their own site which serve videos, photos, blogs, etc. In premium account I allow them to use their own HTML layout for their site.
I end up by making a table of templates for those premium accounts. I think the performance is quite stable. Just making a quick check if the member is premium or not, if it's premium, check if they already made a design of their own or not.
The only problem that I got is the premium member is sometime doesn't really understand HTML and they just upload what they made in dreamweaver to the form that I gave them, and the result is their site is broken and come back to me to fix it

.
So, I think, performance is not really a problem on the database driven template, instead it's the human knowledge of a template building.
Cheers,
Hermawan Haryanto