templates...

I consider myself pretty savvy when it comes to html.
I build my own web pages...I took an online html course.
I know the ins and outs...
BUT FOR THE LIFE OF ME!
I cannot figure out blooger templates!
I can get it in there and it looks good but it says if I save it...
I will lose all of my widgets...GRRRRR...
It's probably something so obvious and simple...
I tend to over complicate things...
Maybe I will figure it out someday!