I hate cookie cutter stuff.
Do they do any sort of customization for the individual site? What about a logo, does she have a custom logo, and will that be integrated?
I don't like the flash personally...I've never liked flash much. I prefer a simple straightforward approach.
Depending on how much business she does and what her budget is, I would say going to a graphic designer would be best.
I designed my own website, logo, business cards, letterhead, etc. The only thing I don't have is a shopping cart thing - there are websites available that I can just setup to look similar to my website and sell photos from there - however I am very picky about my prints. I would rather just take orders myself and have them printed at my lab of choice. I need to have some samples printed from a few of these sites to see what kind of quality they offer.
Anyway obviously she couldn't design everything herself - luckily I have been using photoshop since version 3 and have some graphic design experience, so it doesn't cost me anything but for hosting.
I think though that having a business she needs to have a logo and other materials which go with that.
That's my .02