I'm using a template and freehand router to trim a 1.25" thick canoe paddle that I rough cut with a jig saw. I already own a flush trim bit with the bearing at the very end, so if I adhere the template to the bottom of the workpiece and put the router on top, that should work. Is there any reason to buy a bit with the bearing in the middle (between the shaft and cutter) and put the template on top? Will it be more stable, accurate, or safe that way? Or is it just a waste of $50?