I am not sure I understand your solution. I certainly think that the problem is big, very much bigger than is appreciated. Think of the hoopla in the RoR world about convention-over- configuration.
On the other hand I feel that emacs is becoming messier and messier because it has taken up something like your idea. Originally there was only setq (lisp for assignment). Now there is the whole customize- mess. Then again I guess its not the idea that is wrong but its current state of implementation. To elaborate on this mess would be too OT for this list. Nevertheless its a good starting point for the kind of thing you are talking of. -- http://mail.python.org/mailman/listinfo/python-list