Creating tables within the app rather than manual configure

I know you said that you didn't want to require setup using the
command line, but I believe what you want to do is taken care of by
the bootstrap rake task.

I typically set up a bootstrap task that will create all the tables
necessary for the application to run on a new server. You can either
setup capistrano to run this after updating the code on the remote
server, or you can run it yourself on the command line with a simple
"rake db:bootstrap:load"