How do I copy (or clone or duplicate or make a template) user account?
I realise you are not looking to duplicate all of your files, but this method is quick and at the end you can just delete the files you don't want on the new account. To create a duplicate account based on the settings of your current account, try this:


Making a Time Machine backup of the current account. 


  No extra disk for backing up? Go to Disk Utility and create a partition on your current disk. Assuming you have space (I will, since you are looking to add an additional user account), you can add a partition to your startup disk without losing any data (you can also remove it or change the size after you are done). Make this new partition your Time Machine backup disk.

Launch the Migration Assistant utility (search for it in Spotlight).
In Migration Assistant, indicate that you want to import settings from a Time Machine backup.
In Migration Assistant, select to import the user account from the backup.
Because the name is the same as your current account, Migration Assistant will prompt you to rename the account. 
Continue the migration and your new user account will be made–a duplicate of the current account except for the username. 


I'm doing this right now in Lion and it is working a treat. Good luck.