when i first read your post i wanted to agree with you but after starting to write three times I changed my mind...
its not incorrect especially seeing that there are quite a few complete, almost complete and partial rulesets and themes out there.
if you look at almost any complex application it will tout benefits that most users cannot achieve on their own - even not so complex apps.
but I get your point. it would be awesome if this platform could be customised by the average joe - but then I think we would have to sacrifice the amazing wizardry that the full blown rulesets contain...