I second this idea. Would be extremely useful!
In the meantime, I am experimenting with using my MacOS template functionality and it appears (after limited testing) to serve as a short-term workaround.
To create a template: I’ve created a Templates folder in my Obsidian vault. In it, I create a .md file called SomeTemplate. From the Finder, I select the file, open the Info panel (command-i), and click on Stationery Pad.
To use the template, I have to open the Templates folder from the Finder. Double-clicking creates and opens (in Obsidian – I set that as the default app for .md files) a copy of the template in the Templates folder.
The drawbacks are substantial, of course, which is why this is a short-term workaround. For me, it seems disruptive to have open the Finder to do this. Mentally, it feels like I am leaving my Obsidian workspace and coming back to it. I suspect someone who uses MacOS automation tools could figure out how to open a template copy with a keystroke, but I’m not that guy 
Also, I love the options @anshbansal includes in the OP list.
Cheers,
Jack