Use the Snippets tool in Wing Pro. There is already a 'file' snippet which you can edit to set up a different content than our defaults. Then to use it, create a file, type 'file' so you get the "file (snippet)" item in the auto-completer and press Tab or another completion key (as set by the Editor > Auto-Completion > Completion Keys preferece). The same technique (typing snippet name fragment and selecting it for the completer) can be used with any snippet.
Also, you can assign a key binding to the command 'snippet-file(snippet_name="file")' using the User Interface > Keyboard > Custom Key Bindings preference to be able to just bring up a new file with the file snippet already inserted.