i think i've done as many versions of my website using each method described above and FINALLY settled down to using a template class not much different from the one phpBB uses and it works lightning fast and designing is SO easy once you get the PHP codes working.
so i would recommend using a template class; i use it on GIDTopsites (below) and presently re-doing my main site to use it as well.
[added] oops, for got to mention the name of the template : patTemplate. u'll have to search on google tho
PHP include files or Templates?
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The king of PHP templates: http://smarty.php.net
I know that that username is kind of stupid, but I use it everywhere and thus remember it. Actually it is my student number that is used as a login name in most of our school systems, ie. workstation login, registering to courses etc. The number means that I entered the school 1999 (99) and then there is 02 that means something I forgot already, and I was 468th student that year to be accepted to the school. Interesting, no?
-9902468
-9902468