With storing a few templates in a database as found in this answer there is a great increase in the number of database queries. For example, profiler shows 12 of 20 queries
It turns out that the large number of queries only occurs in dev mode! This was determined by enabling the query log in MySQL. Exercising the editing of a template and then rendering it then reviewing the log showed that only the stored template invoked a template query. None of the other templates appeared in the query log. Case closed!