Can it be written entirely by myself (never got legal training) following the examples of my competitors? If not, is it worth writing it myself and then asking a lawyer to review?
When I was younger an attorney made the statement: if you can't afford an attorney, you have no business being in business.
That said, you can and should do most of the work. Look at the TOS and privacy policies of a cross section of similar businesses. Take what is applicable. Add what you think is needed. Then have your attorney review it. You can count on them making some changes and billing you accordingly.
Of course, you can skip the attorney and roll the dice. But, I wouldn't recommend it.
I provide free calls to first time clients. Give me a call using this link:
https://clarity.fm/kevinmccarthy/FreeConsult