Word will always load normal.dot. If it doesn't exist, it will be created.
Not all settings are stored there, though. You can keep a lot of
customization in a different global template which will also be loaded when
Word starts. See
http://addbalance.com/word/movetotemplate.htm for
step-by-step instructions on moving / sharing / copying / backing-up
customizations including AutoText, AutoCorrect, keyboard assignments,
toolbars, macros, etc.
You can use a different template as the basis for your document. 95% or more
of my documents are based on some template other than normal.dot. I
generally only use documents based on normal.dot for scratch work. My
customizations of font, styles, margins, etc., are stored in the custom
document templates, not in normal.dot.
The reason I asked about Adobe 7 is that it blocks changes to normal.dot.
There is a fix - of sorts - on Graham Mayor's site.
Also, existing documents usually are not changed by formatting changes in
their attached templates, whether that is normal.dot or another template.
For more on the different kinds of templates, tabs on the file new dialog,
and locations of templates folders see
http://addbalance.com/usersguide/templates.htm.