Yes, I would drop the "template0" call and I think UTF8 is default now anyway.
Or maybe add them to template0 but that would be unusual I think
Don't add to template0. I think this would mess up backups.
As for whether UTF-8 is the default, it is in many cases, but I remember struggling with the fact that a few Linux distros still default to SQL-ASCII. Ultimately this is something of a packaging issue and the default may be set at the package level.
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Best Wishes,
Chris Travers
Efficito: Hosted Accounting and ERP. Robust and Flexible. No vendor lock-in.