Finding a Balance: Effigy Creatures with Templates

[Roga]

While I know in RAW you could in theory pile countless templates onto creatures you're building as an effigy at no cost (Since the cost is derived from Hit Dice), but this is clearly horribly unbalanced. My proposed compromise is that point of Level Adjustment adds +1 (Or possibly +2) to the effective Hit dice of what you're building. So I ask you, fellow Playgrounders, does this sound balanced?

I would also still be banning templates without level adjustment because I feel they aren't balanced for player use, even by proxy. I personally would also still ban the outrageously overpowered templates like Feral Creature.

[Gavinfoxx]

"Make it with all the templates you want, and hand the stats to the DM for nerfing to appropriateness" is how I usually do it.