Actually, these emails are all created via the DataAssist:Create Ages Wizzard. I check off "Send an email when this page is submitted" on the update or insert pages.
I do not recall if I left "Body" blank or chose a default on the "Server Settings" tab, but I believe that I had to chose one of those options (I think I used "Default" actually...)
Either way, I don't see a "webassist/email/templates/" folder in either of your examples above.. everything simply goes into the "webassist/email/" folder... so either the wizzard is not creating a "template" folder, or the tutorial is wrong or out of date. ;)