Creating Customizable Template

Hello,
I am trying to figure out the best way to make a user friendly email template.

Let's say that the five field are set up, such as Name, Email Date, Time, and Place.

Upon Submit, these fields are inserted into an email template that is stored in such a place that the user can access it in a rich text editor to make changes to it. This editor could be something like Zoho Writer. When the form is submitted, it needs to insert the variables into the template and sent it to the email entered in the form.

I can easily set up the template in a "send mail" function, but would like to be able to give a user the option to edit the template without ever having to look at the code.

I have created a a separate form with a multiline text entry block, and then inserted that text as a variable in the send mail function, but I cannot rightly format the email, nor are the variables inserted before the email is sent, mainly because the email text is a variable itself.

Would it be possible to integrate Creator with Writer so that a template made in Writer was used in the send mail function? Could this be done with the getURL function (which I am not too familiar with)?

Is there a way to make the pop up "send mail" email editor available in an html view so that a user could access just that editing window without having to deal with the deluge scripting environment?

Any help would be appreciated.

Thanks,
Mike