If it were me, I wouldn't change them to masks. That can be done by the person using the template if it were someone other than you.
For all the years I have been scrapping, I haven't used masks when using templates. I choose which square I want with a photo, resize the photo to cover the square. Then I select outside the square with the magic wand, change to the photo layer and move it if needed to better fit within the selection magic ants. Then I hit delete on the photo layer to get rid of the excess photo. It has only been in the last year that I have become comfortable with using masks. And, even though I am more comfortable I default to using the other method 95% of the time because that is what comes naturally to me.
I have never bought a template that has a mask.