The Default Template plugin automatically applies a chosen template to every new note you create, eliminating the need for manual insertion each time. You select a template file once in settings, and the plugin handles the rest across all note creation methods whether you're using Ctrl+N, clicking non-existent links, or any other workflow. Folder templates let you assign different templates to specific directories with hierarchical fallback, so notes in different areas of your vault can have appropriate structures. You can exclude certain folders from template application entirely. The plugin processes template variables like `{{date}}`, `{{time}}`, and `{{title}}` with full Moment.js format string support, matching the behavior of the official Templates plugin.