I found one more bug in integration of MultiFactoryTest.java.
 
In the code example previously I implemented:
 
document.setDocumentURI(MultiFactoryTest.template.toURI().toString());
 
...thinking this would sufficient.  It was not. I also need the setSystemId() on the DOMSource. 
 
The patch for the line that reads:
 
aTransformer = tranFactory.newTransformer( new DOMSource( templateDoc ) );
 
...should be changed to:
 
Source source = new DOMSource( templateDoc );
source.setSystemId(MultiFactoryTest.template.toURI().toString());
aTransformer = tranFactory.newTransformer(source);