The config/settings.yml file is committed in the repo, but will be updated for each user

[rohall]

it should probably be user-specific, stored in the home directly (something like ~/.bluetrain/settings.yml)

[amekelburg]

FYI, if using rails_config, you can have user-specific settings files separate from (and I believe overriding) the regular settings files:
config/settings.local.yml
config/settings/#{environment}.local.yml
config/environments/#{environment}.local.yml