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Dark Elves have two racials that increase their maximum magicka. While not as good as the High Elves magicka regeneration or Bretons magicka reduction, it's good enough to put them in a distant third when it comes to caster type builds.
No. You cannot change classes. If you pick Templar, you will remain a Templar on that character.
ESO is pretty flexible though. As any class can play any role (tank, healer, dps) fairly well just with a change of equipment and skills. So if a certain play style doesn't work for you, try another. And if that doesn't work as well, then you would probably want to reroll.