Basically you want an identity transform, with override rules.
The following transform
<?xml version="1.0" encoding="utf-8"?>
<xsl:stylesheet version="1.0" xmlns:xsl="http://www.w3.org/1999/XSL/Transform">
<xsl:template match="node()|@*">
<xsl:copy>
<xsl:apply-templates select="node()|@*"/>
</xsl:copy>
</xsl:template>
<xsl:template match="PrintDollarsAndCents/text()[.='X']">Y</xsl:template>
</xsl:stylesheet>
applied to your input, produces the result:
<OMDefault xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<PrintDollarsAndCents>Y</PrintDollarsAndCents>
<MailAddrLine1>Add1</MailAddrLine1>
<MailAddrLine2>Add2</MailAddrLine2>
</OMDefault>
The first template is an identity transform, which copies the input document exactly.
The second template overrides text nodes with a value of X
that are children of a PrintDollarsAndCents
template. Note that it emits the value Y
instead of its actual content.