I'm a creature of habit, and I like the file to open with lots of familiar things, like busses and other aspects.
So I don't use the default template concept. I have a blank file, always a revision going upwards because it gets updated as I make improvements. I copy my blank file and rename it to the new song name and put it in its own folder.
When I open this file (which can even include some events because it's a file rather than template) it's very familiar and this speeds up my process to getting to creating rather than rebuilding each time.
That's my workflow method in that regard.