If you ever want to take VC/angel money, you will most probably need to spend more to restructure and re-incorporate. The boilerplate that services like LegalZoom are not made for startups. They may be fine for other types of businesses, but not for startups. If you're one or two people running a small business, you should be fine.
Even YC advises against incorporating using generic paperwork (I would imagine the YC paperwork is pretty similar to what other Silicon Valley startup attorneys would use):
"Don't incorporate, though, if you can avoid it. It's easier to start with our paperwork than to transfer an existing LLC or S-Corp to a C-Corp."[1]