Servlet Templates? Are they worth it? Struts

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I have been working with various templates  ie:  Velocity, Tea, WebMacro
and I was wondering if the extra overhead was worth it?  I understand that
this is a subjective question...  But I have been using net.data and I love
it...  And these templates get me pretty close to the same look and feel,
but there is more behind the scenes coding, and I was wondering what people
thought about them...

Plus I have a question about Struts...  What does that buy me?  What
functionality does that allow me to have that just a normal jsp or servlet
doesn't offer... I read the user guide, but I just didn't grasp the
purpose...


Thanks, for your time.... tim