I completely agree. I keep a template for my medical log - I have multiple chronic illnesses, and have to track sleep, frequency of medication & when I take it, pain, etc., all on a daily basis. I have one template that I use for each new month's file, with a paragraph that I copy for each new day within the new file.
However, I can't edit the original template, which gets annoying when I need to add new fields to it (such as on getting a personal O2 & heart rate monitor, or as I will need to when I find my blood pressure cuff). Not to mention the complication of having to create a whole new file before I can even view the templates, which can also be frustrating if you'd like to combine a template with an existing file.
Static templates are one thing, but the current functionality isn't great for templates that aren't static.