I had an idea about templates (and, by extension, the templater plugin).
It could be interesting to link folders with templates: each time a new file is created, it will automatically take the assigned template.
On the workaround level, I was thinking of a field in the YAML that would be recognized by the plugin. For example, a
folder field, which could take one or more folder names.
When creating a new note, if the file path is contained in one of the files in the template folder, then it will automatically take the template set.
If there is more than one, you just have to ask the user which one he wants to use.
Another idea could be the possibility to have, in the plugin options, the possibility to link the template files to a path. I think going this way might be faster/easier.
Eventually a shortcut could be added to the folder and keyboard for these notes with template.