diff --git a/templates/3d-printing/cli-setup-wizard.sh b/templates/3d-printing/cli-setup-wizard.sh
index 6cb3804..91de88e 100644
--- a/templates/3d-printing/cli-setup-wizard.sh
+++ b/templates/3d-printing/cli-setup-wizard.sh
@@ -237,6 +237,12 @@ if [ "$DID_GITHUB" -eq 1 ] || [ "$DID_GITEA" -eq 1 ]; then
       fi
     fi
   fi
+elif command -v gh >/dev/null 2>&1 || command -v tea >/dev/null 2>&1; then
+  # gh and/or tea are installed but neither is actually logged in yet (login
+  # was declined, failed, or never completed) - say why the key-generation
+  # question above got skipped instead of just silently not asking.
+  echo "Skipping SSH/GPG key setup: not logged in to GitHub or Gitea yet."
+  echo "Log in (gh auth login / tea login add) then re-run: bash /opt/coder/cli-setup-wizard.sh --force"
 fi
 
 echo ""
diff --git a/templates/cobol/cli-setup-wizard.sh b/templates/cobol/cli-setup-wizard.sh
index 6cb3804..91de88e 100644
--- a/templates/cobol/cli-setup-wizard.sh
+++ b/templates/cobol/cli-setup-wizard.sh
@@ -237,6 +237,12 @@ if [ "$DID_GITHUB" -eq 1 ] || [ "$DID_GITEA" -eq 1 ]; then
       fi
     fi
   fi
+elif command -v gh >/dev/null 2>&1 || command -v tea >/dev/null 2>&1; then
+  # gh and/or tea are installed but neither is actually logged in yet (login
+  # was declined, failed, or never completed) - say why the key-generation
+  # question above got skipped instead of just silently not asking.
+  echo "Skipping SSH/GPG key setup: not logged in to GitHub or Gitea yet."
+  echo "Log in (gh auth login / tea login add) then re-run: bash /opt/coder/cli-setup-wizard.sh --force"
 fi
 
 echo ""
diff --git a/templates/default/cli-setup-wizard.sh b/templates/default/cli-setup-wizard.sh
index 6cb3804..91de88e 100644
--- a/templates/default/cli-setup-wizard.sh
+++ b/templates/default/cli-setup-wizard.sh
@@ -237,6 +237,12 @@ if [ "$DID_GITHUB" -eq 1 ] || [ "$DID_GITEA" -eq 1 ]; then
       fi
     fi
   fi
+elif command -v gh >/dev/null 2>&1 || command -v tea >/dev/null 2>&1; then
+  # gh and/or tea are installed but neither is actually logged in yet (login
+  # was declined, failed, or never completed) - say why the key-generation
+  # question above got skipped instead of just silently not asking.
+  echo "Skipping SSH/GPG key setup: not logged in to GitHub or Gitea yet."
+  echo "Log in (gh auth login / tea login add) then re-run: bash /opt/coder/cli-setup-wizard.sh --force"
 fi
 
 echo ""
diff --git a/templates/python/cli-setup-wizard.sh b/templates/python/cli-setup-wizard.sh
index 6cb3804..91de88e 100644
--- a/templates/python/cli-setup-wizard.sh
+++ b/templates/python/cli-setup-wizard.sh
@@ -237,6 +237,12 @@ if [ "$DID_GITHUB" -eq 1 ] || [ "$DID_GITEA" -eq 1 ]; then
       fi
     fi
   fi
+elif command -v gh >/dev/null 2>&1 || command -v tea >/dev/null 2>&1; then
+  # gh and/or tea are installed but neither is actually logged in yet (login
+  # was declined, failed, or never completed) - say why the key-generation
+  # question above got skipped instead of just silently not asking.
+  echo "Skipping SSH/GPG key setup: not logged in to GitHub or Gitea yet."
+  echo "Log in (gh auth login / tea login add) then re-run: bash /opt/coder/cli-setup-wizard.sh --force"
 fi
 
 echo ""
diff --git a/templates/ttrpg/cli-setup-wizard.sh b/templates/ttrpg/cli-setup-wizard.sh
index 6cb3804..91de88e 100644
--- a/templates/ttrpg/cli-setup-wizard.sh
+++ b/templates/ttrpg/cli-setup-wizard.sh
@@ -237,6 +237,12 @@ if [ "$DID_GITHUB" -eq 1 ] || [ "$DID_GITEA" -eq 1 ]; then
       fi
     fi
   fi
+elif command -v gh >/dev/null 2>&1 || command -v tea >/dev/null 2>&1; then
+  # gh and/or tea are installed but neither is actually logged in yet (login
+  # was declined, failed, or never completed) - say why the key-generation
+  # question above got skipped instead of just silently not asking.
+  echo "Skipping SSH/GPG key setup: not logged in to GitHub or Gitea yet."
+  echo "Log in (gh auth login / tea login add) then re-run: bash /opt/coder/cli-setup-wizard.sh --force"
 fi
 
 echo ""
diff --git a/templates/web/cli-setup-wizard.sh b/templates/web/cli-setup-wizard.sh
index 6cb3804..91de88e 100644
--- a/templates/web/cli-setup-wizard.sh
+++ b/templates/web/cli-setup-wizard.sh
@@ -237,6 +237,12 @@ if [ "$DID_GITHUB" -eq 1 ] || [ "$DID_GITEA" -eq 1 ]; then
       fi
     fi
   fi
+elif command -v gh >/dev/null 2>&1 || command -v tea >/dev/null 2>&1; then
+  # gh and/or tea are installed but neither is actually logged in yet (login
+  # was declined, failed, or never completed) - say why the key-generation
+  # question above got skipped instead of just silently not asking.
+  echo "Skipping SSH/GPG key setup: not logged in to GitHub or Gitea yet."
+  echo "Log in (gh auth login / tea login add) then re-run: bash /opt/coder/cli-setup-wizard.sh --force"
 fi
 
 echo ""