As to whether or not you should -- the answer is yes.
It's good to let people know, upfront, what you are doing and how using the website will affect them. Especially, what rights you are reserving / requiring and obliging them to agree to (b/c most ToS's derive consent to the agreement implicitly just by using the product).
A free template is better than nothing. However, find popular sites (and sites similar to what your site does) and let those be your guide.
Do you need to see a lawyer?...always, if possible. It's always money well spent and a lot cheaper when you get a lawyer involved upfront.
Check out any Google service, Facebook, Twitter, etc. That's a great starting point, but more detailed then you might need. I would need to know a little more about your project, if you are looking for something more specific.
