well, I've done sapele bodies and when I do template route, I use nothing but a cheap straight cut bit. The key with them is getting most of the stuff outside of the line removed before the large bit sees the body, and then it's just a slow controlled route with the body concentrating on following the template. If the amount of wood to be removed is small, it's easy.
The other thing some folks do is do the first part of the template route with a half height bit and then come back and do the rest with another bit. I haven't ever felt any issue with safety template routing a guitar body, but they're large and you're in the same position - far from the bit and when the router wants something, you don't fight it.
I don't have a bandsaw, so "getting close to the line" for me is spokeshave or coarse drum sanding. If the wood being used is good enough that you'll get a clean cut off of a template rout. I think one of the reasons that the guitar industry likes mahogany so much is that there's almost never chipout or compressed grain or splitting or anomalies on the end grain.
The other thing some folks do is do the first part of the template route with a half height bit and then come back and do the rest with another bit. I haven't ever felt any issue with safety template routing a guitar body, but they're large and you're in the same position - far from the bit and when the router wants something, you don't fight it.
I don't have a bandsaw, so "getting close to the line" for me is spokeshave or coarse drum sanding. If the wood being used is good enough that you'll get a clean cut off of a template rout. I think one of the reasons that the guitar industry likes mahogany so much is that there's almost never chipout or compressed grain or splitting or anomalies on the end grain.