I also use both.
I find I use track templates more often cuz the full templates have too much stuff, and I have to delete, and then add some of the newer track template stuff,...
I have a bunch of track templates for loading synth configs with dimension pro (strings, horns, organ), vsampler (hammer dulcimer, bells, choir voices, pianos),... guitars, vocals, purc,...
And: i have a track template folder that has all of these to add to an empty project.
What is great about track templates is the buses and routing are included. So, I have a track template with a bunch of sends that creates the bus structure I cherish most.
What is still way stupid is still not being able to save and load data with track templates. Even PT has provision for importing tracks (with all settings/routing,...) from other projects. Reaper has track templates with data I/O. 6+ years and Sonar still does not?
To me this is another example of a feature that is not completely implemented.
An example: I have 3 versions of a project that have 3 versions of the samples/tracks used for each midi/audio rhythm. I want to export the tracks with data and ALL settings to then combine them for further joy and happiness. But NOOOOOOOOOOOOOOOOOOOOOOOO.