If you're a marketing manager for a mid-sized company and insist that your email service provider offer you a bunch a pre-fab templates you're lazy and should be fired! Pre-fab templates were great back in the day when email marketing was novel and a limited number of marketing mavericks experimented with the medium however the day of pre-fab templates for real marketers has come and gone.
Just think about it, email service providers that push pre-fab templates such as Constant Contact or iContact cater to hundreds of thousands of tiny companies sending to millions email recipients. Since there is only a finite number of templates that these email service providers offer, this means that a large number of companies have the same look and feel to their email marketing efforts without any differentiation to cut through the clutter. If you're a marketing manager at a mid sized company do you really want your email marketing to look like Joe's Bicycle Shop down the street? What if your boss subscribes to Joe's Bicycle Shop email and you unknowingly use the same template? Do you think you'll have your job for long?
I know lifting and plagiarism are common practices among marketers but for G-d sakes don't copy something that's sub-par and meant for people lacking creative abilities. And if you are a small company that's serious about its email marketing it doesn't take much these days to create a professional looking custom template. Any graphic design student at your local community college can create something far better then what an email service provider will give you. Remember, benchmark the best not crap!