Seems to me that defaulting to installing gems in ~/.gem could cause
some ambiguity within ~/.gem/bin if you're using multiple versions of
ruby simultaneously.
ex:
ruby187 puts its 'mongrel' executable there
ruby19 puts its 'mongrel' executable there and overwrites it.

I realize you can append a prefix to executables for versioning, but
would another good suggestion be to default to ~/.gem_ruby_version ?
Thoughts?
-=r
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