" if you know what I mean. "
not really.... 🙁
I take it you have a system where the user can select a template to use, and then enter data to that the system will put into the template when it is displayed?
In that case you should probably also store the templates in the db and put the template's ID in the clients template-choice field.
Then your system can read both the templates and the data for the templates from the DB and not have to 'include()' anything, nor store some template location.