Can't help you with a lot of your problems, just one. You don't need a template bit. Buy a bit with the same diameter on the shaft and the cutting part of the bit (I use one with a 1/4" shaft and 1/4" cutting diameter). You'll need to cut a little faster to avoid ruining the template. If you start out with maybe a 12mm bit, or maybe even drilling out all the excess, this method works fine.