Template is for org-roam, so your result is natural. Citar’s note function is symbolic link and communicate to .bib file’s note section. Even if the absence of org-roam, it will act. Then you need to link with citar’s note functions with org-roam. In my case, im enough to use @citekey function in org-roam. But you will find citar-wiki in details.

You may describe path for note in citar.el as you gave .bib file in references folder

Combination of org-roam and org-roam-ui with citar.