This is my Rails 7 (Currently 7.1.2) starting point. Out of the box setup includes:
Ruby 3.2.0
Devise Authentication (with Devise Invitable)
Tailwind CSS
Postgresql On M1/M2 mac:
brew install libpq
export PATH="/opt/homebrew/opt/libpq/bin:$PATH"
gem install pg
httparty
phonelib
mail_form
better_errors (dev)
letter_opener (dev)
rails_live_reload (dev)
dotenv-rails (dev)
new_app_name
everywhere (before you create databases etc)