On the second template - the system is lying to you. the problem is that you dont have ANY description tags.
in your template, you need to put description tag in between these lines
<!-- Auction Description begins next line -->
<!-- End Auction Description -->
Which, there's two types of description tags you can use (but can only use one of them)
can use
[DESCRIPTION_AND_IMAGES] - this tag inserts your auction description along with your images. The images will be inserted into your description using the location and layout that you specify on the lister page, like one of our regular templates. We use 400x300s with a 'click to supersize' link.
or can use
[DESCRIPTION] - instead of the above tag, you can use this one to insert the auction description only (no images), then use the various image tags to specify the location/type of images.
List of various image tags is available at: https://community.auctiva.com/eve/forums/a/tpc/f/6881044121/m/4071009031
It will work if you simply add
[DESCRIPTION_AND_IMAGES]
between the two lines I mentioned above
<!-- Auction Description begins next line -->
<!-- End Auction Description -->
If you want to have more control over the picture layout, then you would use the description only version of the tag and the individual image tags.