This is helpful but violates the Principle of Least Astonishment here - as a developer, I would not expect `rails s` to create new config files!

Let's stick with a error message as before; since s3.yml.example needs to go in the host app, we have no way to include it in the gem.

The way to go is a full-on 'rake flms:install' task that does all the configuration, adds routes, etc..  Let's stay lean for now and just make sure the manual changes needed are well documented.