I'll chime in here since we do website design as well. First off, I think spending $5-6k from a well-know designer like Whitestone, Rare Brick, Acorn, Savvy etc. is well worth it. I think Acorn and Savvy Innkeeper might have even lower priced options. I've yet to meet anyone who hasn't seen a great return on their website from companies like these. Same goes for photos from people like Jumping Rocks. Every one of these companies has been doing B&B specific work for a LONG time. They know the industry, they understand design, they deliver great products/service and have good people.
As for getting a designer from Guru, I personally wouldn't recommend it unless you really know how to deal with designers, and then it is going to be interesting. There are a lot of good companies devoted to the B&B space with fair pricing that won't leave you hanging. Recall UXL Studios - they exhibited at PAII last year, got a bunch of people to pay them something just under $1k/site, then went belly-up without developing sites or refunding money...
At Rezo, our philosophy is a little different. We are trying to set the bar for lower priced products, whether it is websites, or videos, etc. I don't mean this to be a plug and apologize if anyone is taking it that way, but we deliver websites with a different pricing model. We charge $499 for a website (and right not it comes with a free 1-minute video btw). However - we require 2 years of hosting and promotion at either $99 or $199/month. So ultimately you pay more than $499 over two years. There is a lot included in those prices - for instance at $199/month we do your PPC terms for you, we don't charge you any hourly fee for changes/modifications to your website like most others do, etc. We also use SnippetMaster on all websites so you can change text on your pages yourself, etc. In any case, we'd like to think that we put out a different option for folks so that there is more choice in the market.