I'll have to give it a try on my next campaign, to see how it changes my gameplay.
As per gameplay, I found myself using pretty much all 20 soldier loadout templates. There is where I save typical roles and assignments for land, sea, space, and special mission loadouts that require specific gear set. I don't use a lot the individual soldier saved template precisely for the multiple mission scenarios.
I also use pretty much all 10 craft loadout templates, for about the same reasons.
If I were to be granted a wish, I'd ask for 10 or 20 more soldier templates (for a total of 30 to 40), with hotkeys to match for the first 20 or so. Same for crafts, 10 more for a total of 20 (or more), also with hotkeys.