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That is a good question. You should always save before making a major change, but you can change templates/styles without losing information except if you have uploaded your own banner image with one of our styles. If you change styles or color palettes you will need to re-insert the banner image. Simply click on the white instruction box, highlight the image in the file manager and click "ok", or upload a new image if you wish.
Of course if you are not using a custom banner image then you have nothing to worry about and you can change styles freely without worrying about losing your work.