Router Template

I want to build a jig and template to profile many game board pieces. Plan A was to make a base out of 1/2 inch MDF which would be the surface for the template to sit on. The workpiece would then sit on top of the template. Lever clamps would hold the sandwich together. Was then going to use a pattern routing bit with a top bearing (bearing next to the shaft). This is where I am stalled. The only bits I can buy locally only have a 1 inch long shaft. Since the bearing must be above the router table 1/2 inch (to clear the jig base) I would not be able to seat the bit into the router chuck to its full depth. This sounds like a way to have the bit come out of the router and probably make a new orifice in my body.

What am I missing? I’m sure I’ve heard about similar set ups. Can router bits with longer shafts be had? I could go with a flush trim bit with a bottom bearing, but then I can’t see my work piece.

-- Joe