I am a huge template fan! I love those that allow me to place several photos without the page looking too crowded or 'boring' - page composition is what I look for in a template. I love Anna's templates because they are super versatile. I also love Lynn Grieveson's spin on multi-photo pocket pages, Rachel Jefferies's pocket art, Lilach Oren's mess the pocket series... mostly because these don't really look like a basic grid...
I don't like simple templates - if I see a nice minimalistic page - I can easily scraplift it, thoght I have a bunch of simple templates I downloaded as freebies in the past.
I NEVER use templates for clusters - I like seeing clusters on a template and they serve as primary inspiration, but once I've placed my photos and clipped papers I would delete all bits but splatters, word strips and tags.