I have not looked at vistaprint or moonfruit but those types of systems are generally awful for SEO.
If I knew a person who had a tiny business and needed a website I would point them towards a wordpress site using a template. Then they can focus 100% on the content and easily change or improve the design in the future.
They might need some help getting started, so there could be a small expense and a learning curve - but you will have that with anything.
I would also register a domain and have the wordpress on my own hosting. This cost is very small - probably under $100/year.
In the end you have your website on a platform that is very versatile, functional, well supported, and can easily get experts to improve it when you are ready.