Agreed about your four claims. I think what value the default template has is for canopies, blisters, aerocaps, external hinges & etc. With a higher fineness ratio.
This is as close as I could find a fit for the 'default' template:
A sectioned Type II could be center steer, between the front wheelwells.
It fits the hemicircular front profile.
My "Template":
Three-quarters the wheelwell drag, but it needs to be truncated to a box cavity.