Hello everyone, I've just joined code forces community. And I have a question that I couldn't find answer on this site.

How much (competitive) problem solution depends on insight? How much it depends on determining proper template to apply (i.e dp, counting sort etc.)?

I.e how many tasks you are solving just by applying familiar template? And how many require you to invent something completely new?

Should you train invention part by solving problems you don't know template for? Or should you focus on learning more algorithms instead?

I think answer is interesting for many newcomers. Please share your experience.