Inserting new, whilst copying adjacent protected formulas

Disclaimer! My Excel knowledge is intermediate at best!

I’ve made a large workbook that my company wants me to share with colleagues as a standardised template (heavily formatted, not tabled). In order to prevent mistakes they’ve asked me to protect the workbook formulas whilst also maintaining the ability to keep functionality of adding more rows / columns. I’m having difficulty providing both.

Example whilst the sheet is protected I can add a new row but it will not copy the previous formula (in my case, it’s a sequential reference to another sheet). I.e. Sheet1!A1, Sheet1!A2, etc.

Very basic worked example:

Cells A1:B10 are editable cells using edit ranges. Cells C1:C10 let’s say contain a basic formula =A*B.

The sheet is protected but allows the inserting, formatting and deletion of rows / columns.

I insert a row above row 10 the formula isn’t copied.

I copy row 9 and insert above row 10 the protected sheet prevents me from doing this.

Might just be me but I can’t see a way how this is possible without the use of Macros which I don’t want to do!