create a bank of standard content that can be customised

I suggest trying the old-fashioned method. Form Rules. The user will select the standard template words from the drop-down list of titles.

Then have a form rule such as when the editable field is blank and the Related Template is not blank, change the value of the editable field to the value of the lookup.  Set the rule to fire all the time (uncheck the checkbox)

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Mark Shnier (YQC)
Quick Base Solution Provider
Your Quick Base Coach
http://QuickBaseCoach.com
markshnier2@gmail.com
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