Rails3-templates is a project mainly written in Ruby, it's free.
Rails 3 templates
h2. Rails 3 templates
+base.rb+ Base template
deletes unused files like (index.html, protorype js files)
adds commonly used gems and plugins
initializes git
$ rails new -m http://github.com/jurgis/rails3-templates/raw/master/base.rb
or
$ rails3app [more rails options]
rails3app bash script could be copied into users bin directory ~/bin