I'm not sure why you are having keyboard problems (if you still are), but the usual fix for unstable behavior in an app is to restart or reset the iPad.
Restart: Hold down the power button until the power off slider appears. Slide it off. When the iPad finishes shutting down, hold down the power button again until the Apple logo appears.
Reset: Hold down the power and home buttons until the Apple logo appears. The iPad will reboot. This usually takes a bit longer than a restart.
And if that does not work to delete and reinstall the app. Make sure your've saved your documents off somewhere else before the last option.
For accurate cursor placement, tap and hold until the magnifying glass shows up, then drag your finger. Sometimes (depending on font size) a slight rocking of the finger will help with touchy placement.
You'll need to expand on what you mean by having templates ready. The only true templates are the ones included in the app. The best you can do is to duplicate you've formatted the way you want. You do this by going into Edit mode in the document view, selecting the document, then tapping the double_box_plus sign icon at the top left. I find it handy to create a separate folder just for these sudo-templates, so that I don't get them confused.
Or you can save it in DropBox, iTunes, or other other offline storage and import it again each time you need it.
There are lots of discussions on Numbers, Pages, and Keynote in the iWork area of the Forum. It's worth going through.
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