Workaround Sort Of?
If I start a new project from a template, add an Instrument Track, and re-save the template, new projects based on the template don't include the Instrument Track.
If however, after starting the new project from a template and adding an Instrument Track, if I first save it as a Normal (CWP) project, it seems I can then save it as a Template, and the next time I start a project based on that template, it includes the Instrument Track.
OTOH, this didn't always seem to work. I had to do save as a Normal project more than once before I could successfully save it as a Template.
I also noticed that my MIDI Track Settings (Input & Output) didn't always persist. That, too, seems dependent on saving as a Normal project at least once or twice before it would save correctly as a Template.
It all seems very odd, and I have no explanation. Maybe I'm just lucky ... or unlucky.
Thanks,
Tom