Personally I'm never using anything, or adding any fancy setting, if it doesn't serve any direct purpose and/or is not clear, simple and efficient.
It's not because I believe "simple" and "efficient" are "cool" or "better". It's just because it's always what made _me_ efficient. I don't lose much time digging configs either, and I scan man's pretty quickly every time I need something.
In the end that means my shell looks boring. White on black. Username, host, current directory, VCS info if any. Colored output for tools that support it in a sane fashion. Merged shell history. That's it.
Defaults are in general sane. That's why they're defaults after all. Oh and redoing my dotfile is ~ 2min from memory and work everywhere obviously. I don't need to care if I'm going to spin a VM, it'll work the way I expect it without having to copy stuff and tinker around.
I do the same for the gui so i generally just run KDE or MATE. Tinkering 3 days with awesomewm or using someone's "super cool" but useless configs.. nope, not my thing ;-)