Personally, I think there's charm to having just a single template that's universal for everything regardless of whether everything is required or not. I think for the large majority of new people like myself having one template might be easier to handle than several different types. This is probably just due to the fact that some people like using the same character for different stories.

It could essentially cut out a lot of time. Not to mention that the more detailed a profile is, the harder it is to go wrong with character consistency during posting.