Why exactly is this template on the Commons? Obviously, it is an attempt to
make commercial use as difficult as possible. Arguably it does that, and the
image ultimately is freely licensed so there is no issue with it being on
the Commons.
However, this style of template is contrary to the goal of free content. Any
non-commercial user who uses an image to make a derivative is almost
certainly going to pick the non-commercial CC license instead of the GFDL
(as its easier to use); it will be rare that they will care about the free
content mission enough to choose the "nasty" GFDL. This means that any
derivatives will not be free content and furthermore due to the SA term any
further derivatives will be locked in a non-commercial state.
If people have qualms about the commercial use of their image, then they
should not be uploading it as "free" content. I think any images tagged with
this template should be moved to GFDL-only licensing, Commons should not
allow ever non-free licensing even as part of a dual license
Nilfanion