Personally I think it's a 50/50 situation I know when I first started in domains, I used too use templates but then I changed, to standard html.
There are a few websites that do use for example website@php37373 rather than domain_names.php that are popular for search terms.
This is because of there inbound links and also the meta tags and how long they have been established for.
The best way of knowing 100% would be too take your search term that you want so for example ford car or loan etc.
Type that into google and see what comes up, so if for example 8 out of the top 10 are ford-car.php or similar then reasonably you have your answer.
You cant 100% know really how successful a website design is going to be unless you give it time, I have done work, not seen any results, changed the design a couple of months after, started seeing some hits simply because of the previous design and wish I hadnt changed the original design.
You really need to give a website about a year before you change it, simply because you need to give it a good chance of doing something.
One website might be popular one minute, but something might happen in the way that the search engine works, and it can vanish into nothing and yet yours could be pushed into the top 10.
Main thing really is inbound links, and possibly on the domain name as well, but depends on how generous a search engine is.
If someone really knew the answer and the true answer to successful SEO work, then they would be millionaires because they could target the market in every field and clean up.
If you can then yes get rover-216si rather than index?php868337 but get some links to your website as well.
Regards
Mark
