Template defaults don't include APP_DIRS=True

[benbacardi]

Upgrading past 0.4.1 breaks apps that don't include these template settings themselves.

[mikebryant]

Worth noting that upgrading django versions to a point where it no longer supports the old template config will also break those apps

I think including the recommended defaults from startproject will be a good way to go, just need to make sure it can be overridden