How do I insert a template with the starting time "now" instead of the time saved with the template?
Tap on the starting time first.
Alternatively Grafitti in a starting time, (and optionally set the end time), tap OK in the "Set Time" screen, and then immediately insert the template as usual. This will create an appointment with the specified start and end times, with all other properties taken from the template.
Alternatively, do not set the time first - just tap on the "T" button to enter the templates dialog, then tap on the "Details" tab, and then select the template. The Details tab causes the appointment's details screen to open automatically as soon as the appointment is created, so you can then change the time.