Here's what I'm thinking. A single command for creating "projects" ... a project being your app, or your gem or your library or whatever.
project new APPNAME
#=> creates a new folder with a .rvmrc and its own gemset
project init gem
#=> creates a new Gemfile
project load
#=> essentially just runs "bundle install"
This is all it would take to set up a new rvm + bundler "environment" that would be completely distinct from the rest of the world.
Basically, it uses rvm + bundler, but ... it kind of abstracts them away, and gives me the less abstract idea of "projects" ... eg. distinct folders with their own Ruby, gemset etc.