Generally, you need to have your own Experience Fragment (EF) template to create the Experience Fragments so you can see all of your styles and exact look & feel of your content. Therefore, EF is kind of editable template on the code side. So, it is recommended to use to with the editable templates. However, you can still use with the static templates and many people implement this with static templates.
Let me know if you have any questions.
Thanks,
Singaiah