... so that when the user creates a new class 
from template, he is placed to the most likely 
place to start coding.

Example could be "Java Main Class", where the 
cursor should be placed in the main method.

Not all templates would want to do this though, 
so some system (like the "|" character user for 
abbreviations) using which the template could 
specify this would be great.

Perhaps "/*[cursor]*/" which, upon creation of 
the file from template woud be deleted and the 
cursor placed here (if the text is found there)?