When greater security is required for cold storage solutions, there can be default Tapscript paths that move funds from one target to another target.
For example, a cold wallet can be set up where one customer support desk can, without further authorization, move a portion of the funds (using multiple pre-set amounts) into a lukewarm wallet operated by an isolated support desk. The support desk can then issue some funds to a hot wallet, and send the remainder back to cold storage with a similar withdrawal mechanism in place.
This is all possible without OP_CHECKTEMPLATEVERIFY, but OP_CHECKTEMPLATEVERIFY eliminates the need for coordination and online signers, as well as reducing the ability for a support desk to improperly move funds.
Furthermore, all such designs can be combined with relative time locks to give time for compliance and risk desks to intervene.