(Yes I know, covered in other threads. I repeat.)
Matter of efficiency. I use “Default” over and over, and make the same changes over and over (such as re-ordering some fields and not using others). I could easily create a more useful (to me) template. I could raise it to the top by giving it some sort of alpha-sorted-first name such as “AAAAAAAA”. Fine with me. Quickie process. Lemme do it, please. Make my life easier!
(My solution for now? Create a new “login” item named AAAAAAAA. Enter info as usually desired. Re-order fields as customary. Save. When a new item is needed, Duplicate “AAAAAAAA”, fill in the blanks, add any fields if needed (rarely), and last, type a new item name to replace “AAAAAAAA (copy)”.)