I love the templates, don't get me wrong.
But does it bug anybody else how they jump around?
If you insert your cursor ABOVE of a block of text, and select a template, the lower block of text JUMPS UP to meet the top one, no matter how many spaces you left between them.
If you insert your cursor BELOW a block of text, it stays in place, but there's always that one annoying little space before the paragraph which you have to delete.
I can see this having value if you are threading lots of template sentences together into one monolithic, featureless block. I like paragraphs, and headings myself!
Would anybody be upset if templates just appeared wherever your cursor was placed when you selected them, and STAYED there?