SG,
Text Wrap:
In the Wrap Inspector, with an object selected, you can select "Object causes wrap". The option causes the object to push text out of its way. You are telling me that you don't want this, so make sure the option is turned off.
Background:
The background layer is behind the text layer. If you want your objects (graphics, text boxes, shapes) to obscure the text that you type normally, leave the objects on top. If you would like to have the text overlay the objects, then send the objects to the Background.
Section Master:
Giving an object Section Master status causes it to repeat on every page of the section. That's every page of the document for most people since the average user doesn't make use of Section Breaks. I asked if your documents had more than 1-page, but I don't think you responded.
Registration:
You say you just want to type away on the text layer and have things line up with your background template. Good luck with that. You are going to have terrible problems with the pitch of your text matching the scale of your background object. You may be ok at the top, but by the time you get to the bottom of the page the chances are you will be off a half a line. Better to use Text Boxes and align each one with the appropriate region of the template.
Dexterity:
There are ways to deal with eye-hand coordination and steadiness issues. Objects can be shifted by using the arrow keys and they can be sized and positioned by using the Metrics Inspector. And, remember that you only have to do the tedious stuff once. After that, Save as Template
The biggest problem I have with the new-fangled machines is that they are designed by kids with better vision than I will ever have again. They have no idea how much trouble us old guys have seeing the menus and instructions. The Mac App Store is one of the worst examples, where you can't even resize the text. The universal access tools for the vision impaired in System Preferences don't help me because I can't stand the look, or the loss of font smoothing. For critical work I reluctantly put on the strongest reading glasses and lower my nose to the screen.
Good luck,
Jerry