Is your text animated? My assumption since you brought up AE is that the backplate for the text is…but for the font itself, is it?
In a post-production environment, I’ve built things in nearly every context you mentioned. As a freelancer, I usually would try to iron out the details before hand — and either sell the the AE template, or sell my services to design and produce the lower thirds. With the production companies I’ve been with, we’ll design the graphic backplate first and render that out, and depending on whether the text is animated or not, either 1. type them in one at a time in AE and render out, 2. Build a data spreadsheet and automate the process of building the type with Photoshop and combine in FCP, or 3. If it’s only a few names, build the lower third text (and sometimes basic animations) in FCP and combine them there. A tip for the second and third methods is to build your lower thirds once and nest them into their own composition, that way should you need to use them again, the lower third is more contained.
As far as resources to ask these questions, Creative COW is a great one. Lots of brilliant people on here that have helped me a few times!
Hope that helps!
–D
David Rickles
Motion Designer | Editor
David.Rickles@gmail.com
http://www.davidrickles.com