Welcome to the Babble!
Glad to have you join the forum, a great place to learn and share.
Actually using templates is a great way to learn IF you think of them as a learning tool that you are studying as well as using. But you do need to study elsewhere and try to understand why as well as how you are doing things.I still haven't got it perfect and I'm not sure its even possible when using templates.
One of the most valuable things you can do is to build a collection of small "templates" or snippets of code to help you build your sites, whether borrowed or original. For example, I wrote a markup piece in html/css style that works like a tag. It creates what looks like a page of a legal pad and I paste it in whenever I want to create that affect. I say all of this to simply suggest that you do not want to look down on templates or see them as an alternative to learning to code directly. Use them together. This is an essential practice for anyone writing their own code if you expect to get any amount of work done.
As you will find stated elsewhere many times in different ways, there are no foolish questions, only foolish mistakes made when we foolishly fear asking.I'll be doing a lot of reading and hopefully not asking to many foolish questions.