1. I think everything is clear in what I wrote :)
Playing against a human/playing against AI/playing with random maps/playing with fixed maps
can be structured like this:
a) Random map with AI,
b) Random map with a human,
c) Fixed map with AI,
d) Fixed map with a human.
But what does point "d" refer to? And what is this "3rd option"? - that's not something I can help with.
2. I really don't understand templates, but the templates that are included in the original version of Heroes 3 (or rather, in the official add-ons AB and SoD) are called standard templates because they exist for everyone who plays the official Heroes 3... everything else (WoG, TE...) is already fan-made for specific purposes, but there will NEVER be more followers of these ideas than there are users of the official Heroes 3 + patches.
P.S. Don't deceive yourself or others... a true fan will never play for money because that would be a business (speculation, gambling). And confidence in one's abilities has nothing to do with it.
As for the historical significance of "playing for money," I can tell you that the first profession has an even greater historical significance, and so what?