Ron, the Help file lays out what to do pretty well. I think you are a bit of course.
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It probably doesn't save me much time, but I feel that if the template is on my desk top I will access it more quickly than if I have to open my documents folder, then open my subfolder templates...
When you Do
File>Save
as, you have a choice of saving as an EST or an STT file, no? If you select STT, it defaults to a folder named "Templates" that already has "New North America Map.sst" in it. It is a low-level folder that was created during the installation process. This is where S&T saves STT files and where S&T looks for STT files when you set about creating a new map file and is, therefore it seems to me, the best place for them. So, I still do not understand why you want to make things more complicated for yourself by storing STT files anywhere else.
Then, when you want to create a new route using any particular STT template, you go to
File>
New and you will get a pop-up box asking you which template you want to use, "New North America Map" or something else you might have created. It seems to me that is much easier than retrieving a file from your Desktop or somewhere else on your disk. You do not have to looking for STT (or other files) on you Desktop or elsewhere on your computer. I do not see how it could be easier.
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... As far as your first point, I didn't know how to change the default settings under "preferred roads" without at least two stops. Since I wasn't ready to enter any "real" stops for our next trip, I just made some up. Could I have done something else?
You are correct that you must have a route, which requires two stops to enable selecting Segment types under Route Options but they can both be in your driveway or wherever you are; I do not think there is any minimum distance, just a Start and an End. Of course, if your route does not involve either of these Stops, you would need to erase them at some point but your Segment preference would survive that erasure.