. Don't clobber the TERM setting; it's supposed to be done by /etc/ttys
already.
. Comment out the Interviews stuff, 98 % of all users probably won't
ever use it.
. Install the files with better default permissions in the skeleton
directory; pw(8) retains the permissions when creating a new
acount, and installing them read-only is stupid, yet installing
.rhosts world-readable is dangerous.
2.2 candidate