One Quickie

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XCode's default projects (Xcode->General)

XCode looks in /Library/Application Support/Apple/Developer Tools/Project Templates/ for the templates for its projects. You can put your own project templates here, and tweak the existing templates (for instance, Xcode 1.1's Cocoa projects have a compiler warning in main.m, which is really annoying for those of use who treat warnings as errors. You can go into /Library/Application Support/Apple/Developer Tools/Project Templates/Application/Cocoa Application/ and fix that warning if you wish.