ERT can play an important role in creating templates, allowing for insertion of raw LaTeX at key points throughout a document.
However, for inexperienced users using a template, it may be important that items of LaTeX be "locked", so they may not be casually erased. In fact, I would find this very useful in complex documents of my own, not templates. I find it too easy to accidentally erase essential tweaks that I have successfully removed from view. I have in mind a clickable option in the right-click on an ERT box indicator, that would "lock" the inset, rendering it non-eraseable with highlighted or simple deletion. Might this be useful for insets in general? Best Regards.