When a team member (non-administrator) downloads a stock photo, is it pooled so that other members of the team can see it too? Or is it only the administrator that can do that? The website seemed a bit ambiguous on the subject: Common Questions, Adobe Stock, but the Adobe blog made me think that non-admin team members could: NEW Adobe Stock features for Creative Cloud for teams | Creative Cloud blog by Adobe.
Yes. You can download the image without being a team admin.
You may also share the image with the team members via CC library.