Candi, I see NO reason why you can't do the "comma's" (lol) anyway you want! Doing them in 2 pieces is of course another step, but I can see why it would work out just great! Go for it girl, if its how you want to try one!
I think that if you do them with your template, you will need to saturate that innie with starch and let that kind of "glue" the innie in place before you stitch it down. You are right, there are really only a few threads to turn under right there!