Just because we need a lot of organizational support characters in your text files doesn't mean you have to physically type them all.
After a fun discussion with Mr. JJ Asghar, I wrote up a mini-tutorial on getting Emacs to do some of the heavy typing for you when you create a new file... you know, boilerplate needed when creating a new file of a particular type.
My tutorial covers and integrates the auto-insert feature and the
yasnippet template system.