Hi Aminom!
Just to clarify one point; you ask if there is a better template somewhere.
The thing you need to understand is that the "templates" aren't templates at all. They are UV Maps.
Just as the points that make the avatar have coordinates in X, Y, Z space, they also have coordinates in U, V, W space. The W value is the same for all the points, and so is ignored, leaving U (horizontal) and V (vertical) as a flat (2D) square with 0,0 as the bottom left corner, and 1,1 as the top right corner.
When the textures are applied to the avatar, the color of the pixels at the U,V coordinates for each point are applied to that point. The colors between the points are extrapolated.
You can think of it as super stretchy spandex pinned to the AV at the points of the mesh. (Where the lines cross on the map.)
We can tell where those points are by looking at the "templates."
But no matter what we draw there, SL will look for the points where the designers put them when they ordered the UVs. You can see this by putting the Upper Body map in the Lower Body slot.
So, even if someone made templates that were easier to draw on, they would be useless for putting the texture on the model. The whole thing needs to be remapped, which would break all the existing clothing.
The only way to have better "templates" is to reorder the UVs in a 3D program, and burn your texture to the Linden maps before you import them into SL. If that's something that you know how to do, then you already can. If not, then it's waaayy beyond what I'm willing to tackle here.

We're all hoping that, someday, we will have better avatars, and perhaps even a transitional period where you can choose which AV you are going to use. But given the scaling problems that the Lindens are currently dealing with, I'm not going to hold my breath.

And by the way, yes; you are right. The polygons on the sides of the Upper Body are considerably narrower than they should be. You can squish your textures there to compensate, but since they are only a few pixels wide, they will appear to be blurred in-world. Sadly, there isn't much that can be done, except to try to avoid putting important details in those areas, and to realize that everyone else is in exactly the same boat.
Hope this helps!