Using Templates - Copyright Infringement?

I was having a discussion with someone at work about adapting a graphics-oriented template that comes supplied with graphics product we either own or subscribe to - and the person voiced what I believe to be a perhaps uninformed and definitely overly-cautious statement of, ". . . well if we adapt that template, are there any copyright issues?". Yikes!

I pointed that we have purchased (or subscribed) to the product and that the templates are provided with the intent of being adapted by the end-user and that we would be adding additional graphic elements to these templates that would result in this being what I believe qualifies as, if not an original artistic output then more likely a "transformative work" (I'm not a lawyer, but I believe that's the legal terminology regarding artistic works).

Some would characterize me as "reckless" that I would be willing to take "a risk", but I'm sick to death of our overly rules-sensitive culture, and while I appreciate why copyright laws exist, I think I understand the difference between "the fair use" principle and plagiarism and copyright infringement, and neither of those are in play in this situation, and if they are - what the heck good would a "template" be anyway? And by definition, a template is a document or file having a preset format, used as a starting point for a particular application so that the format does not have to be recreated each time it is used. I won't be unhappy is someone suggests that I can push the button marked - No Need to Consult Counsel, but I'm also willing to hear that I'm wrong (which will make me less-happy . . . )