Gi'day Duncan
AFAIK the order of precedence of templates is:
Personal address book templates
Address book group templates
Folder templates
Account templates
I would imagine for a reply, the individual template takes precedence over the others. However, if you are sending a new message, the group template takes precedence over the individual one. I did a couple of quick experiments to check this and it seems right, but I won't put my house on it! Unless someone else can provide more info than i have, it's worth experimenting and seeing what happens.
Cheers
Tom
Sydney, Australia