Hey David, In a fit of research powered frustration often making the post, I discovered MLO. It is as you say quite excellent.
I am a little overwhelmed by the amount of customisation yet am really enjoying it.
I was thinking about trying to incorporate some of the templates yet I am a little nervous. I started with a plain installation and have incorporated my over 300 to do items and 30 odd projects. It works a treat.
Are you aware of the consequences of incorporating a template after you have set up your system?
Thanks heaps for taking the time to respond with such detail. Much appreciated.