@tom has a draft DEP in the works about improving the default template here — the hope is (both) to improve the beginner story and let us be a bit more flexible with project templates.
Having more fully featured examples with a .gitignore (and, from the thread on the Django-admin command, e.g. a pyproject.toml, say) should be something we can unlock. (I’m more interested in examples with less files personally, but I see the tension goes both ways.)
Feedback on the PR there would be awesome! 
FWIW Past arguments aren’t necessarily compelling but I do appreciate Tim’s linking back to past discussions — we do go round in circles without that. It can be hard to reconstruct every point, and recall why the status quo is as it is.
Happy holidays! 