so my question is how do you use bind_columns with Template that require you to collect all results first?

You're already doing it.

A couple of quick notesnits:

• my %row_copy = %row;
  push @rows, \%row_copy;
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  is the same as

  push @rows, { %row };
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• When I use bind_columns, I find using

  while ( $sth->fetchrow_arrayref ) {
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  to be somewhat misleading since there's no array_ref involved. Instead, I use

  while ( $sth->fetch ) {
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  fetch and fetchrow_arrayref are the same function.