At the Basic Skills levels, there is a list of required moves that must be included at each level. At one coaching workshop I was at, we were encouraged to put them into the program in the order listed, so that the judges could easily check off the requirements.
I don't do that; I prefer to work from the specific piece of music and fit the skills where I think they go best. I also like to include as many lower-level skills as possible, and especially any moves the particular skater can do well that don't belong to any specific level (like shoot-the-duck, for instance). I also tend to keep the same piece of music and same program layout for a skater as long as the length works. I just swap out the skills for higher difficulty ones as the skater progresses. It would make me crazy to have the same music for every skater at a level, but I'm a professional musician and perhaps have an easier time choosing music because of that. I saw a competition once where an entire class of Basic Skills skaters competed in the same event with the exact same program to the exact same music. It was obviously taught to them in a group class, so we all understood what was going on. I don't know whether the judges enjoyed that, but it sure made it easy to compare the kids!
I don't see anything wrong with having "stock" programs, though. Not every coach is a gifted choreographer, able to come up with new and distinctive programs every time. (Not that I am, either! I haven't been doing this long enough yet to know whether my programs all look alike! I do think I tend to put certain elements in the same places on the ice, so perhaps my skaters tend to have similar layouts.) The most important thing is that the program shows off the skater's abilities and that the skater continues to progress.