Eyyy you can use `autocmd BufNewFile` for templates in #vim. Here's one for #pelican that autodetects a new Markdown file in my "content" directory and populates an article template with the correct headers:
if has("autocmd")
augroup templates
autocmd BufNewFile */blog/content/*.md 0r %:h/pages/template.md
augroup END
endif
`autocmd` with paths is one of my new favorite things. I'm also using it for project-aware indent settings.