Up until about two years ago, I was pretty sure I'd always use a financial adviser. I had no idea what I was doing and the whole investing thing seemed crazy intimidating to me.
I had zero knowledge and was pretty much scared of doing anything myself.
I've read some stuff since then (here, Jim Collins, Bogleheads... it was entertaining and educational). Once I felt confident enough to take over, I stopped paying somebody else to manage my funds and shifted everything over to self-managed. I still can call in and ask questions for free, but I do make all of the decisions myself now, and I'm very, very happy with the arrangement.
If you go with simple index investing, there is really zero reason to pay someone to do it for you. It is literally under an hour's worth of time a year to make sure you're AA is still pretty much what you want it to be, and figure out if you need to make any adjustments or dump anything in/take something out. You could even check it monthly and still not spend hardly any time on it. Index investing is very "hands-off" unless you want to jump in there all the time.
Investing really, really does not have to be complicated. Anyone that says that it is, has an ulterior motive for saying that - and usually it's to make you feel like you can't do it without their "expertise."
Financial advisers are not your friend. I don't care if they are super friendly and even if you were friends before you started investing with them... it is a business arrangement whereby they get paid to put you into things that pay them (and their company). While some may be a little less greedy than others, they all still have themselves and their company as their number one and two priority - your financial wellbeing is a distant third. Unless they are acting as a fiduciary on your behalf, then they are out to make money off of you. And one of the ways they try to show that their job is super complicated or requires some special knowledge (that you could never have) is to stick you in lots of different funds (because it really doesn't take a dozen funds to cover the market).
I guess if you've got stuff going on in your life and money and investing is stuff you are horribly bored/annoyed with thinking about, it would make sense to offload that job to an FA. It is the same thing as paying someone to wash your car or mow you lawn. Some people hate that stuff, and they don't mind paying the premium to get someone else to do it... but that still doesn't mean you couldn't do the job yourself, much better and much cheaper.