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Hi Michael, assets can be stored locally (in Marketing Activities), or globally (in Design Studio), for almost everything. Exceptions I can think of: email programs (the mailbox) require local assets, and also if there are assets where you're using My Tokens they will need to be local.
For your "central text block library" have you tried using snippets? They can be easily modified everywhere that they're used in a single shot, and used in both global and local assets.