It is impossible to not use a template with Word. Even if you were to copy a document and try to use that as a 'template' (bad), even that document would employ the template it is based on...
If you're having trouble with templates not retaining settings, that suggests you haven't mastered editing them instead of just the documents based on them. Templates do not ordinarily lose their settings.
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Cheers,
Paul Edstein
[Fmr MS MVP - Word]
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