A bit of advice commonly given to writers:
There is no draft, no piece of writing, so bad that it can’t be improved, but a blank page is just a blank page.
I’ve found that useful in my struggles with Tinderbox, too. If I can get something down, I can ask concrete questions about how to make it “better,” for whatever definition of “better” is relevant to the problem I’m trying to solve.
So rather than “templates,” it might make sense to call these pre-made Tinderboxes “drafts” or “sketches” from which a fully functional personalized file might be built. “Sketch” implies a beginning, I think, while “template” implies more of a finalized blueprint.