@User I'm newer and I agree with the learning curve, but also I find each note system has a different mindset as well. Schema's can use templates, but they can be used separately as well. A Schema doesn't care what is inside a file, only about where a file is in the hierarchy and what it's name is. A Template doesn't care about where the file is, only about the starting contents of the file when it is created. Schema's help you keep consistent hierarchies of your files while templates help you enforce a consistent starting content layout for your files. You can specify a template to be used when it is in a certain place in the schema or has a certain pattern to it's name. PLease someone more experienced correct me if I'm wrong.