How to make a Thunderbird Template using an allover background with a table
Start a new message via File - New - Message (Don't click the Write icon unless you've just opened Thunderbird and haven't used a Template before this)
Once you're in the new message window, click inside the text area so that the Format menu will become available. Then click Format - Page Colors and Background.
Choose file. Here's corkboard.jpg. Right-click to save a copy.
Click OK. The background tiles all over the message window.
From the menu at the top of the message window (beneath the subject line) click to insert a table.

Make the table with one row, one column, 90% of the window and no border. Click OK.

The table appears, just a long rectangular box at the top of your text area. Double-click inside the box and the Table Properties options box will come up. Make the Table Alignment Center. Make the Background Color a good color for your text to go on. Make the Cell Padding a bit more than it was. Click OK.
It looks a little funny when you're writing the message but when it sends it will look fine.
In the subject line, give the Template a name that will help you remember what it is, like "Corkboard with Post-It"
Click File - Save As - Template
And there it is! To compose a new message, just double-click on the subject line of the Template you want to use.
It looks spiff when you send it, but unfortunately if there's a reply it will go on the background rather than in the table. Be sure to pick a background image that will normal text will be readable with.