I would keep the 20 templates that you already have. This is much simpler to work with and easier to change should the content of just one require adding. I would put the templates in a folder and use http://www.gmayor.com/select_document_template.htm to select the required template from that folder (or roll your own macro to perform a similar task).

Another approach would be to have an add-in with a dropdown template selector on the ribbon which could have plain text commands to create documents from templates associated with those commands. You will find lots of information on modifying the ribbon on Greg's web site http://gregmaxey.mvps.org/word_tip_p...bbon_main.html