How about don't make the user deal with any .config file as most normal people will have no idea even how to see hidden files/folders(roaming). If you need to deal with configs make it gui based in the wallet. The easier it is for the general public the more of the masses we can get involved.
PNP support negates the necessity of the config file, and should be mandatory on all coins, i agree. however, for mining purposes, atleast using external application miners, the config file is necessary. maybe a concerted effort needs to be made to build a coin with cgminer included in its own tab of the application. if i was more profficient in C languages i would have already done it. after i finish my current projects i may make a serious look at doing this.