Many of my users were friends I met at various Ruby/Rails development circles. HomeMarks is a passion project that I have strived to re-write every few years. I threw away ~7K lines of custom MV* JS (before there were any) written in Prototype.js to create this new version in Rails/SpineJS. I hope others find it useful. History here.
I never liked Rails templates because I felt the quality of the final product was never on par with what you would setup from scratch. To that end, I created my own system that I call a Rails application prototype. If you are interested you can learn more about it here.
This project from @metaskills is worth a close look, particularly to see the choices Ken's made in assembling a development stack. It's a great example of using a starter app as beginning point for a discussion about best practices. Carbon Five's RayGun is another. Compare the two and you'll learn a lot about high-powered Rails development and where it's going.
To be fair, Wayne has always said that RVM was made for production first and development second. Not sure if it is fair to say it is not production ready since it has always been geared toward just that.
login as regular user, download some version of ruby, compile for use as logged in user, install rvm, shazzam install any version of ruby you want - all of this only applies to the logged in user and has zero impact on the rest of the system. RVM rules :)
I no longer install ruby at a system level, not needed, only users running ruby stuff need ruby installed and never use distro ruby, creates all sorts of issues...