How about "None of the Above"?
If you have a hook in a template, it will look like (this one if from "postbit":
Code:
$template_hook[postbit_userinfo_right]
And then in a plugin, you could go (like in the hook location "postbit_display_start"):
Code:
eval('$template_hook[postbit_userinfo_right] .= " ' . fetch_template('postbit_your_own_template') . '";');
And that would spit out the content of your template "postbit_your_own_template" in the location of the $template_hook[postbit_userinfo_right]. You would write your php to spit out stuff into your template "postbit_your_own_template".