The main advantage of a Track Template is that you can add it to a project at any stage
Yes, that is what I am getting at
As I said in the OP I would previously have loaded a project template with everything ready to role - but I am finding this a bit "cluttered"
Loading the Track Templates as and when I need them appears to be a much "tidier" solution
Thanks for all the comments - it looks like the sensible way forward is a much simpler Project Template and then more detailed Track Templates for "as and when" required