So here's the thing: Rails plugins are for programmers. I'm no Rails expert, but I've never encountered a Rails plugin that was configurable without using Ruby. (Which is, of course, perfectly in line with Rails design goals and philosophy.)

The majority of Drupal modules are designed to be used without writing a single line of PHP code. (This is not to say that Drupal developers don't end up writing PHP code anyway... or that this design philosophy doesn't often lead to unusable confusion, or that it doesn't entail some big compromises, of which the tendency to have code stored in the database is one of the most annoying. But I have seen quite impressive Drupal sites built by people who refuse to touch PHP. That's a big selling point.)

So, no: This isn't Drupal. But we are getting there!