Practically nothing in Latex comes out of the box. Sure, you can bang out markdown-esque formatted text, but the moment you need something more complicated, say URLs, graphics, resize the margins, etc you are likely going to be pulling in a package.
No true scotsman and all that, but I suspect few documents in the wild are bare Latex.
The 'La' in 'LaTeX' stands for 'Lamport'. Leslie Lamport set up additional macros atop the base TeX language to make life easier. To this day LaTeX code can still be compiled with `pdftex` (note, no 'la' there).
The `article` document class is actually some `article.cls` file that resides somewhere in your TeX install root, is loaded, and implements macros such as `/title`, `/section`, `subsection`, and so on. All LaTeX eventually expands into a pile of TeX macros that are evaluated.
All this is to say... LaTeX comes with the templates, you've been using one all this while.
Great news then, it does! There are a number of templates maintained by the Typst team themselves [0] that are available under the templates section of the web app or via a simple command if you're using the CLI.
No true scotsman and all that, but I suspect few documents in the wild are bare Latex.