For myself, I generally create a track template to always use associated track folders, or will create separate track templates where the track is not contained in a track folder, for those that I want to keep out of a track folder.
For example, I have many track templates for each custom drum kit I have, and they all have a track folder and one or two audio tracks for each active drum kit cell, a midi track for click rhythms, another midi track for the real drums midi data, the various buses (toms, cymbals, snare, kick, parallel comp, etc.), and each drum kit piece's initial peak set to be at around -18 dBFS with its fader(s) at Unity.
I will always want the drum kit track templates to be inserted into my projects with all of the above, brought in with the track folder all of the drum kit tracks.
For things like guitar track templates, I always set those up as not being contained in any track folder as part of the track template. I often will MOVE a given inserted guitar track into a track folder, such as into a Guitar Leads track folder or a Rhythm Guitars track folder, as appropriate, but that is done manually with a Move To step to place in a target track folder.
I may set up a set of track templates that contain one instance of Kontakt, 5-6 loaded instruments, and the needed audio and midi tracks, buses, whatever is needed, when I have a frequently used combination of instruments, like grand piano, organ, strings, bass, whatever, and I find that can be handy, but more often than not, I will manually load up a newly inserted Kontakt instance with whatever is needed for that particular project at that time, because that gives me all the flexibility needed for the project I am dealing with.
Ultimately, it all comes down to convenience and flexibility, with regard to track templates, and some of that will vary from person to person.
But, for you - perhaps it does make sense - for how YOU do things, so a feature request would be the thing to pursue. :)
Bob Bone