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While I could make a template with a few bold placeholders for "Allegiances" and "Motivations," no document is so large that it really would benefit from that kind of organization. Instead, each card just contains a few paragraphs of notes about who the character is, what he wants, and so on. Although it seems like I'd have enough locations, NPCs, or whatevers to benefit from templates, I've found that I don't actually repeat much information at all between any two NPCs. Inside the DM's notes I have all my notes on locations, NPCs, plot hooks, specific adventure plans, and so on. I have the whole project broken into three top-level folders: player's setting book, player's rules documents, DM's notes.
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Every once in a while, I think about whether templates would make things easier, and so far I have never thought so. I appear to have about 214 documents for my upcoming game, and I'm pretty sure I'll have a bunch more by the end of the night. I use Scrivener extensively to plan my games.