I know Master docs do not work 100%, but I have to make a template
anyways for another that wants to use the Master and subdocuments
feature. We are using MSWord 2003, SP2.

I created the Master template and used this to create another template
for the subdocuments. Identical styles. When you go to insert the
sub into the Master, a message prompts says the templates are
different and that it will use the Master. Ok, that's fine. But, why
am I getting this message when the templates are identical?