One way to set up these options globally is to create a .cargo/config.toml file in your home directory. In that file you can define aliases for cargo commands that can be used in any project. For example:
If you also have a .cargo/config.toml file in a project directory, those settings will override global setting within that project. You could certainly create this file as part of a project skeleton.
I bet project templates are useful in some cases (e.g. wasm), but for learning Rust, I've found that I'm mostly just typing cargo new when I want to try something out.