Use template for setting up postgres databases

#1493 

Seems to be the cleanest way for ensuring databases are always created
with SQL_ASCII when e.g. running rake spec.

This introduces a failing spec on ruby 1.8.7

```
  1) IncomingMessage  when dealing with incoming mail should not error on display of a message which has no charset set on the body part and is not good UTF-8
     Failure/Error: message.get_main_body_text_internal.should include("The above text was badly encoded")
       expected "\034ðRªÉÝ4\025þ\021\036!È\032\017\031ÜÅTX\ez÷CåÂo|ÀE¼Qb 6ò\026xô÷ú\003ù,5ÕaàÞU>\004lÿ´`÷ðç­¹¥XL¸úWX¾¬Æxâ\t°\bú\026¼îç\035@o~â×´ÕjäyÑµ\006Òiûàõ»¿³lÓ¶~1ò%ö\b\037Òºâ\\9Òj¡æÎz<®1¾M¨i»qEÔÌ=ðwìÃ9\035\a®þ,Ë\v7TAS" to include "The above text was badly encoded"
     # ./spec/models/incoming_message_spec.rb:209
```