Wow. Rails Composer makes setting us a new Rails app a LOT easier. Just run this command and the composer takes off:
rails new myapp -m https://raw.github.com/RailsApps/rails-composer/master/composer.rb
The composer will guide you through all steps to make a Rails app with what you are looking for, unlike the bare bones you get with a regular `rails new myapp` command.
Having taken a hiatus from Rails for a little while, this is GREAT to come back to.