The change is independent of the location of the template. It even happens in root owned templates ie in /opt/libreoffice6.1/share/template/common/styles.
Mike, hope this clarifies things:
This is the original standard template set as the default template.
This file is created w. the standard template.
Two toolbars are added to the created file. View > Toolbars > Formatting; View > Toolbars > Formatting(Styles)
Below is the document with the toolbars added.
This is well and good. BUT the standard template should not change . But to my surprise this happens.
Standard template after the untitled document has been closed.