If you ask me , the diverse opinions on this subject are because you have not shared much information on
- what kind of a website you are referring to
- whether you are getting the site built for your needs or in turn for someone else
- whether you are going to use the site for commercial purposes
- whether there is going to be any sensitive information on this website that comes under the purview of Intellectual property
- whether you are concerned about copyright infringment of any kind
- who the target audience of this site is going to be
There are sites like FreenetLaw that give you standard copies of T&C and all other legal document requirements for website .
The information on the above site is shared with you under what is called a restrictive Creative Commons License where you can use the information but absolutely must include a reference to the website in the T&C document. This is the only aspect of re-using a T&C from such sites that you need to be careful about and check with your customer/ legal rep if they are ok with it.
In case of doubt , you can always contact the provider of such a T&C for discussing legalities.
Bottomline you dont have to re-invent the wheel in this day and age to ask your CS / Legal team to draft a brand new T&C / IP clause if your actual requirement is very simple .
Hope it helps.