Ripple makes very good quality stuff. For the expensive stuff like theirs and MotionVFX's, I wait until I have a paying project that needs something I don't have and work the price of the template(s) into the price of the job.
If you're looking for general templates, not something specific for a specific project, check out SVM. Very great quality stuff and super low prices. Even some fantastic freebies. I highly recommend their stuff for getting started, or for getting general templates to simply have on hand.