There are a lot of keywords that could be added to the skill/spell tooltips with minimum effort, and that would eliminate a lot of questions and confusion. You could just add them in a list of keywords at the end of the skill/spell description.
I would like to see some of the following:
--Spell Projectile
--Melee Attack
--Weapon/Physical Damage
--Spell Damage
--Fire Damage (did you know Blazing Shield does it? The tooltip doesn't say)
--Weapon Critical
--Spell Critical
etc.
Templars are 'just slower... by design'
Yes, Gina actually said that (at least regarding Rushed Ceremony) right here:
http://forums.elderscrollsonline.com/en/discussion/161959/templar-skills-bugged-made-useless-ignored/p24
VR 16 Templar (retired until Templars get fixed)
VR 16 Sorcerer
38 Nightblade
24 DK