My predecessor was setting clients up with all 4 of the default templates?    In my scnario the client managed to fill up a 5TB in about 1 year.
It seem like only 1 schedule should be setup for each workstation.   Please correct me if I am wrong.

If all of those schedules are on the same job sending backups to the same destination, then that doesn't make sense at all.  Running all of those schedules on the same job would likely make a mess in terms of the retention policy too, since you'd have multiple schedules all contributing to the same backup sets, but the retention policy would evaluate the "aggregate" backups available at the destination rather than operating on a per-schedule basis.  If you need a complex schedule, then you should just create one from scratch rather than relying on a template.  But I can't think of any good use case for using multiple templates like that.

Thanks for the response.   it looks like the client is only using the Increments Forever schedule based on the logs.   I guess my next question is why didn't subsequent backups deduplicate the data rather than filling up a 5TB external drive?

It would depend on what the retention policy is configured to do.  If you have access to the logs, they should include the retention policy that was in effect at the time that job ran, as well as how many of each type of existing backup that Reflect saw at the destination.  That should give an indication as to why Reflect did or didn't do something.