Macs don't really come with a lot of extra crap like a Dell does. The
pre-installed OS should be fine.
For an editor, I've been using TextMate (http://macromates.com/). I must
have got a discount, because I don't remember ever paying ~$50 for it, but
it's a great editor for any task.
I haven't run RadRails (http://radrails.org/) on Mac OS X, but it also is a
great environment to work in.
Then let me be the first to simply say: “No” A Mac doesn’t come with a heap of crap applications like some PC suppliers (ahum Dell ahum). Should you get into disk space problems, you could remove GarageBand (and it’s related files in Library > Application Support) if you don’t use it, but with hard drives nowadays, that probably won’t be necessary in the first few months :-). You can also skip a virus scanner and spyware/adware remover, so for the first time in your life, your portable won’t lose 10% of its processing power just to keep your mind at ease.
I can recommend you some of my Mac favorites:
• TextMate (the must have Rails editor if you are on a Mac)