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Yes, I understand. What you want (in your example) is: Eve with 1 template, 3 categories; Bob with 1 template, 2 categories; Alice 1 template, 1 category.

Exactly. So what do you think? Should this be implemented or do you still think it will clutter things up too much? It is very easy to add the categories to the templates.

I still think it's too much clutter, that's why I commented that Nike's suggestion is the way to follow.