The files on the site that you mentioned are "zip" files. You must "unzip" them into a folder... Chances are these templates are .png or .jpg files, you can then drag and drop these files directly into SBM or import them using the "Embellishment" icon.
The Embellishment Maker is actually a tool for designers to "package" their files into a SMB booster pack.
The layout depends on the person who built it. Some people "lock" their objects. You can unlock an object by right-clicking on it and selecting "Unlock"
Hope this partially helps!

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