Are you sure these are actually Dreamweaver templates?
This page here
states that they don't include a .dwt file, which makes me believe it's not a real DW template.
Commercial Templates are often very different from Dreamweaver Templates (.dwt files) which are in fact a site management tool. This often confuses people.
A Dreamweaver Template is a common structure used for creating all the pages in your site. The template has Editable Regions which you define for content that will change from page to page. Everything outside Editable Regions like your header, footer & menus will remain consistent throughout the site.
Thanks to bregent and Nancy O for responses. No, it's not a Dreamweaver template; as Nancy says, it's a collection of files. I can work with the Photoshop, HTML and CSS files, but my main concern is that I'm not sure where exactly to position them, nor of the precise syntax of the various pieces of coding; which to put where. Am just astonished that Template Monster gives no instructions with the template. I think I'll end up designing from scratch. So much for the attempt at simplifying!