Having now seen your example pano I’m quite certain that templates won’t help you. A template’s job is to get the images in the correct positions so that the control point finder has a better starting point and easier job, or even skipping CPs altogether and just leaving it to the blender, but that requires both accurate hardware and a consistent setup. I doubt your setup is consistent - do you perfectly bubble-balance your head and use a click-stop ring even when shooting in the reeds by a lake?
The trick to balancing panos such as the one you showed is by making use of the fact that a vertical line drawn from a point above the water to its reflection in the water must be perfectly vertical. In this example I clicked on the tip of the roof on the right, and drew a line down to the same tip inverted in the water’s reflection. Ditto for the window in the middle, and the tower on the left. Three lines are enough, then just let Hugin optimize the pano using these new verticals.
