I started out with Server Side Includes on a shared host, but converted to using PHP along the way to be able to make a base file with all the stuff that is repeated (header, main, footer etc), and then injecting the content from index.php, /contact/index.php etc.
Turns out, you get really far with HTML, CSS and a light sprinkle of PHP, and it is super fun and fast and you get things EXACTLY how you want it. No fighting other peoples opinionated decisions.
I have created many sites from scratch with Hugo, and generally enjoy the process, but this is even more fun, because ... I can do whatever I want!