Introduce `Rails.gem_version`

This method return `Gem::Version.new(Rails.version)`, suggesting more
reliable way to perform version comparison.

Example:

    Rails.version #=> "4.1.2"
    Rails.gem_version #=> #<Gem::Version "4.1.2">

    Rails.version > "4.1.10" #=> false
    Rails.gem_version > Gem::Version.new("4.1.10") #=> true
    Gem::Requirement.new("~> 4.1.2") =~ Rails.gem_version #=> true

This was originally introduced as `.version` by @charliesome in #8501
but got reverted in #10002 since it was not backward compatible.

Also, updating template for `rake update_versions`.