Sometimes I will, it kind of depends on what I am working on.
If I am totally scrap-blocked I'll use one to break out of it. Often, it is just what I need to get out of my head and get a page started.
Sometimes it depends on the style I am scrapping in. If I am trying to do a cluster, I might pull the cluster layers off of a template to help me place the elements.
Pocket pages-- I would never try to do them without a template, no way!