You have to choose what works best for you.
If you haven't noticed already, web work is very personalized. There are some basic principles, some are very important in fact, that everyone needs to pay attention to or risk some very significant consequences. But there is a lot that is more art than science and requires self confidence and personal choice based on personal taste or comfort.
There are many good examples. Some like to work with a WYSIWYG editor like Dreamweaver; others of us prefer a basic text editor (I use NoteTab Pro). In the case of your question, there are numerous possible answers and what works for one person is impossible for another. You have to understand your own mind and do what works best for you.
Some people are visual and can imagine their whole page, sketch it out on paper or in Photoshop (or my cheaper perference, Paint Shop Pro) and go from there. I have zero ability to do that so I start with the first element I think I want and code it up in my editor, then look at it in firefox. I may change colors or size or whatever a bit, then add something else. I could use a template and make adjustments from there but I never do. I end up making a lot of adjustments and changes but I will finally (for a while at least) get what I want.
My reasons for working this way is that I have to see it done before I have any idea whether it will work or not. I have a good sense of proportion and balance, etc., when I see it but not in my mind in advance. In short I am a photographer, not a painter.
All this is a long winded way of saying there is no correct answer to your question. Some people may think they have the best answer, but in truth it is the best answer for them. I would try different things whenever you think they would work better for you. You may pick up ideas from others. But in the end whatever works best for you is the best (for you).
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