For the better understanding of creating a theme

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Hi community,
I still didn't get it with the making of themes/sites/blocks/stacks.

I created a theme from a HTML-Template. Now the user should be able to add an element (Stack? Or block?) with editable areas.
I want him to just edit the textareas inside that element but there also are some HTML elements in it.

Do I have to create a stack with HTML blocks before and after Content blocks or do I have to create a new block type?

Jormungand