If you understand the principles behind website templates you will immediately see the huge benefits to WordPress template systems. Basically it is designed to hookup automated template ideas to a system via which a client who knows nothing about anything can access your site (behind password protection obviously) and update and manage the website that you leave him.
Article templates can also help you with your blogging. No matter where your writer's block is at a template of some sort will help you get through it one way or the other. You may look at the template and say, I can't write anything on that, but this one came to mind instead. Article templates are a great way to get yourself over a hump in your writing or they can help you come up with even more topics to write on. When you have writer's block you need to remember the traditional ways to come up with topics and then them about article templates.