I have a 20ish page guide in a word doc that I want laid out as a polished looking pdf, with a table of contents and nice headers /footers/ margins/ headings/ subheadings and fonts .
I want it look professional. The content may go through a couple changes down the road as well, so ideally, once I have some sort of template, I can easily change the text in it and re-pdf it.
Cheap outsourcing or free templates would be my favorite options. However I don't know the proper terminology to ask for or what type of templates I am looking for?
As stated earlier, Word has some great templates to get you that polished look. You can then save to PDF using the PDF/XPS add-in. Download it here: http://www.microsoft.com/downloads/details.aspx?FamilyID=4d951911-3e7e-4ae6-b059-a2e79ed87041&displaylang=en
Explore Word's built-in templates. Some of them are quite sophisticated and polished. I would do so before hiring a professional to do the same thing. Just apply good-looking templates to your document and see what comes out. You might be surprised with the result and you may save a lot of money.
As to the PDF conversion, Word 2007 does it I believe, if not you can you can use a free PDF printer driver (you print to it, and it saves it as a PDF document). I have used PrimoPDF for some time for this purpose and it works great. No advertisements or anything like that in it either. Get it at http://www.primopdf.com/