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You only need PS if you want to alter the template. This generally comes down to inserting your own logo/tagline.
You don’t NEED photoshop though – if you already have your logo done, you can normally just replace the image inside the template (on wordpress).
If you did want to play with the design, GIMP might be a good alternative to spending a few thousand dollars on Photoshop
As or Ad’s, it looks like all of those templates are widgetised. Meaning you can add ‘widgets’ to the sidebar. Meaning, yes… you can put ad’s on there