Just for the sake of discussion, I do this with mc(Midnight Commander) by editing it's cedit.menu file to make templates. I have a bash alias 't' which creates an empty file, like "t myscript", then I hit F4 on myscript to open it in mc's internal editor, at which time if I hit F11, I get a menu of keys "g thru t" to let me select a template to insert. 'p' is just your simple template, but 'g' gives me a Gtk2 template with a full Mainloop
and a few empty boxes to fill in, and a pre-made exit button". While 't' gives me a basic Tk window.
I'm not really a human, but I play one on earth.