They bill with hourly granularity

And that would be fine, if you were getting an hour of their time. If the lawyer spent 10 minutes finding the right template, 10 seconds filling it in, and then 20 minutes proofreading it, then nobody would be complaining.

In reality they'll spend 1 minute grabbing a close-enough template, 10 seconds filling it in, 3 minutes billing you, and 55 minutes double-dipping by doing work for other clients.