Michael, the membership works like a gym membership in that while you are a member you have access to all the benefits: forums, downloads, etc. When your membership expires, you no longer have access to these resources, however you can continue to use your existing templates no problem. 3 months, or 1 year membership should give you ample enough time to download the templates you need, after you membership has expired and you want to download either the same template or a new one, you need to renew. We try to make this as cost-effective as possible and I think you will agree the current pricing is an extreme bargain.
The issue is we simply don't know what templates you are using, and there's really no efficient way with of our current system saying you have access to a,b and c templates, but not d. We don't have the ability to control the downloads to that level of granularity. And frankly it would be an administration nightmare to create separate groups for every template, then add people to those groups based on their membership dates.
That all said, if you have a specific request or need, please PM either kevin or myself and we'll see what we can do.