Hello Scott,
to build and present virtual tours it’s highly recommended to use dedicated software. Otherwise you’ll run into big issues regarding the viewer software for panoramic images and creating the interactive elements.
If you don’t have a developer that is familiar with scripting in XML code you’d perhaps want to look at packages that offer a graphic user interface like 3D Vista or Pano2VR. Depending on what you consider a template, both packages offer ready made designs for navigation and to build interactive elements.
However, be aware that there will be a learning curve with whatever package you choose. Limiting the view to a certain angle is no problem at all.
Personally I’m using Pano2VR, as it offers most flexibility for everything one could wish for. But as both packages offer free trial version I recommend you check them both and see which suits your needs best.