Over the break there was an episode in "Electric Ink", a BBC Radio 4 satirical comedy series by Alistair Beaton about the newspaper industry, in which a (fictitious) famous author was revealed as using a novel-writing programme. Supposedly he had been "blocked", and the repetition of patterns in his use of adjectives gave his computer- assisted composition away... Unrealistic perhaps, but one day it will happen. Personally I hate software that bosses you around (which Scrivener of course does not), and would only consider using templates to the extent of presentation for the better acceptance by agents and publishers. I've met several would-be writers for whom the software and/or templates are almost all. A category error, it seems to me.