To edit the user creation defaults you can use the Edit defaults dialog, which is accessible via the menu ->. There you may change the defaults that are used when creating a new user: Shell and Home Folder (or home folders volume). You can choose whether to make a home folder on “create” or not,and to copy a skeleton (standard configuration files) to the home folder or not. You can also enable User Private Group mechanism, which creates a new personal group with the creation of a new user, and removes the personal group when the user is removed.
The skeleton files for new users can be specified in the Sources tab.