Template characters are at CP810 ... which means monsters will be scaled to that level and gear scaled to CP160. Regardless of whether you allocate attributes or CP on a new template.
"May you walk on warm sands."
"First, I would ask that you look to the poor and the suffering around Cyrodiil. Look into their hearts, and then look into your own."
"May Auri-El's light guide you in your darkest hours."