PCB template file is the way to do this!
1) create empty PCB, change everything as you like (this includes rules, layers, PCB options, size etc). I even have a few special "project parameter strings" placed, like ".ProjectTitle"
2) save it as some "myPCBtemplate.PcbDoc"
3) change settings in "new PCB document template" to point to that file.
from now on, each time when you click "add new to PCB project/PCB document" you will have the same nicely prepared setup