Most Shopify stores do not need a fully custom theme on day one. The better question is what actually requires custom work.

Shopify theme layout blocks
Start with theme sections and settings. Add custom Liquid only where the catalog needs it.
Option Choose when Avoid when
Theme settings Layout fits existing sections You need unique catalog logic
App blocks Common features with fair performance Three apps already overlap
Custom sections Merchandising logic is unique A setting change would have been enough

Start with the theme you already have

Modern Online Store 2.0 themes expose sections and blocks merchants can rearrange. Before writing custom Liquid, check whether the layout fits an existing section, whether an app block is enough, and whether metafields can surface the data you need.

Check firstExisting section settings and metafield display options.
Then askDoes an app block cover the feature without stacking scripts?

When custom sections make sense

Custom sections are worth it when merchandising logic is unique to your catalog, for example a comparison table driven by product metafields, or a flow that must stay in sync with variant inventory.

Use theme settings for presentation, apps for common features, and custom sections only where they create clear merchandising or conversion value.