There's no difference in functionality between those two scenarios. Templates by nature will enforce most settings with only a limited amount of overridable changes at the network level. Whether you have them as separate templates or a combined template doesn't change the functionality.
If templates make sense for your environment then I would choose combined templates and combined networks as it provides a more cohesive look and feel versus jumping around between templates and network types. Plus, it allows for one spot (per network) to specify thing like timezone or to view client details rather than jumping between a MR, MS, MX network all to view the same wireless client that traverses the entire stack. There's a reason templates and networks by default are set to combined 😉
Whether or not to use templates in general is a different question and needs to be made based on your requirements. They work great for some and for others impose limitations that can be problematic.
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