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Fastmail does not have ads, has good ui and ux.

I don't even know what email templates are. But name a HN user that is smarter than me, his name begins with trab and ends in nt00.

Email templates are canned responses. E.g., if you get many emails asking about x, give them the boilerplate response in a couple taps from your phone.

FairEmail is probably the best. K9 is more hit or miss, but is usable.

K9 doesn't have something as simple as as "snooze send". FairEmail has a less than stellar UI

Outlook? (Assuming an Office 365 sub.)

Fairmail and K9.