3) In my opinion, another reason why using a 'template they found' is clearly a bad idea, is because the process of creating the model is at least as important as the results you get.

And if you want to understand what you see, and tweak it to your business, you must have a very deep undestanding of all the mechanics behind the cells, which is very hard/painful/time consuming to obtain when you use a complex spreadsheet from someone else.

Still, I really like the concept of funded.io. Combining planning and tracking into one tool (automated for tracking) would be awesome!