A question on borrowing, stealing, and creating patter.

So I've been doing magic for about 2 years now. When doing tricks I've pretty much been using patter laid out for me in books, I have a hard time coming up with my own.

My main question is, when is it ok to use patter you read or see other performers use? I've seen many magicians use the same jokes and patter, so I feel like there is a good amount of 'borrowing' in the community.

Also, as a side question, are there resources that can teach me the best ways to create patter that works with my personality?

TLDL:

Is it ok to use other magicians patter? How can I learn to create patter?