It also depends on the complexity of the site. If it's mainly static content without any server side processing or database driven back end etc. then (b) might be a realistic option even for somebody with only basic computer literacy. However if it is more complex than that it may be a tall order if you have no previous experience of any sort of software/application development at all. Can you give a bit more detail about the sort of site that you are planning?
I came across CGORMAN here on AAM recently and asked him to do a website for me. Not to fancy but Ciaran was very helpful in facilitating our requirements. We're nearly there now and for the price I am very happy to recommend Ciaran.