Right, thats really a point. Until responsive came up, I was just fine doing all by myself plus working independent/alone and doing both coding and design allowed me to react much more flexible to customers needs. But with responsive on top of that, I really feel not so competent anymore.

Sure, I have some code I repeat using. But mostly my page designs are so different for each customers style every time, that still in the end making all work AND include making it responsive has become too expensive.

Thanks Johnny, you are the only one so far who goes into the direction I meant. I supppose my question was not that clear, I should have mentioned some examples like Squarespace (I just learned that's called a SaaS). Thats what I meant with adaptable online solutions (which usually has to be paid including its hosting). That or a CMS to install on hosted or own server, but then talking about a CMS that is as advanced adaptable like some of those SaaS. For a CMS usually you pick a template and adapt its code, but the templates don't come with the possibility to move elements around or change layout and content types just with some dragging the mouse, which are the features that really could make coding from scratch unnecessary. It seems those solutions are the cheapest way for most cases. But are they any good? There are so many of those around. You made your bad experience with Squarespace, but maybe an other one would be better? So I am looking for input like yours, from people who have used SaaS. Thanks, Johnny.