VS Code’s extension system makes it pretty easy to build your own code snippet extension. I use my own private extension to easily “generate” different types of markdown files (ie readme vs a troubleshooting guide) from my personalized snippets.
While not a solution right now, I just want to add that the general transit feed spec aims to solve the data interoperability of different transit systems. The transit system keeps a publicly accessible zip file up to date, and then anyone can pull/parse the schedule/prediction data in a consistent way across transit systems. I know in the us adoption is slow, with vendors prefering to build their own walled gardens and transit agencies lacking the vocabulary or skills to advocate for more open data/tools
my understanding is that terms of service would be helpful but not needed if someone trued to sue because you blocked access to the site. I would not expect ToS for a site like you are explaining, but if it did it would say “the web admin will ban you if you are naughty, you have been warned”
For privacy policy i think what you wrote to give us context is near perfect. Explain how your app stores data, be specific about encryption at rest and in motion. If your app is designed to hold name, email address, billing info you should highlight that in your policy. including a (monitored) contact email for questions would be nice, but not needed imo unless you are storing PII