[GURPS Template Toolkit 1: Characters] Disadvantage Limits

[Captain Joy]

I have been operating under the assumption that disadvantages in required templates do not count against the campaign disadvantage limit; disadvantages in optional templates do count against the campaign disadvantage limit. However, GURPS Template Toolkit 1: Characters is giving me the impression that disadvantages in templates do count against the campaign disadvantage limit (with the exception of Racial Templates which are specifically exempted in Basic and not covered in GURPS Template Toolkit 1: Characters).

I know the important thing is that my game works the way I want it to, but I'd like to be consistent with official GURPS convention.