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Do standard licenses cover the use of adobe stock t-shirt templates for presenting designs to clients prior to printing?
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Please read the licensing terms. For a template, you could use the watermarked preview. That's why it's there. To show your customer what it looks like.
Look here for more information on licensing: https://community.adobe.com/t5/stock/links-for-licensing-terms/td-p/11366788
(Disclaimer: As always with licensing, this is my interpretation of the rules. I think they are correct and advice is based reading and interpreting the licence terms and on fair use for both the buyer and the artist/stock company, but I cannot rule out that my interpretation is wrong. I'm not an Adobe employee).