The resume and cover letter sell the applicant to the company and are supposed to prove worthiness for the position. MS-Word does offer a resume template, but in each class of 25 students, I typically get 5 who use the exact same template. That's no way to show your creativity. I think it's probably better to have a plain resume than use a complex template which you aren't skilled enough to personalize. The document should suit the position applied for.
Many employers look for creativity and imagination when the job calls for it.
However, it is best to go for a professional, neat, and organized look. Your resume needs perfect spelling, punctuation, and grammar. Text First, the resume should have a business-like font. Some good fonts are Times New Roman, Arial, or Courier. Use a type size of 12 points.