Having themes and setting the defaults for Anonymous Monk and any Novice (or maybe up until level 2-3, so people have something to earn ;) ) to "netspeak", and above to some themable thing would be quite cool.
About the theology/clergy question, I'd say either it would have to be complete themes from each kind of theology we come up with, or a mixture - which would both upset some people because "theirs" is not in or "in the wrong place" etc. - I'd like the themes approach better, as anyone can add easily descriptions for a new style of monastery.
