i have several default templates. my main one is ready for everything i usually need:
a track stack with 2 audio tracks for vocals (with the plugins i use, ie eq, comp, some voc tools)... all there, but inactive until i need them. and easy to duplicate tracks for more vocals.
a track stack with one instance of all my main synths, and effects there but off.
a track stack for drum plugins. etc...
plus, auxes for common effects (several reverbs, delays).
and settings! the mixer showing only what i want to see. tool settings, etc.
it's a place to start, and everything is, of course, editable. but it makes starting new projects fun; i can spend time on the music, not on the setup...