Rev, what you’re asking for, at least about the card template can easily be implemented in postwork, can’t it ?
Most of it is about resizing or adjusting the pics in multiple layers in something like photoshop or gimp and then merge them as one final image.
Note that once your character is exported as a PNG file, all your other points are answered too since from then on you can add icons, change the background, resize the character, place several characters on the same pic and so on…
There’s info on how to do many of the above in the Forum’s archive. 🙂