There's nothing really to gain from using git directly. Yadm is awesome.
I put up my dotfiles here https://github.com/thingfox/dotfiles (sample documentation repository with examples), in it I show how I did the templating for ssh hosts amongst other configs.
Yadm, a thin wrapper around git allows for alternate files, encryption and templating. See my post https://news.ycombinator.com/item?id=19594859
https://github.com/thingfox/dotfiles
https://yadm.io/docs/encryption
https://yadm.io/docs/bootstrap
https://yadm.io/docs/alternates