That way only YOU have the rights to edit it. Also you might wanna look into /etc/security/ and the stuff in there.
duke:~# cd /etc/skel\nduke:/etc/skel# ls -alR\n.:\ntotal 44\ndrwxr-xr-x 3 root root 4096 May 6 20:08 .\ndrwxr-xr-x 159 root root 8192 Jul 23 20:47 ..\n-rw-r--r-- 1 root root 266 Apr 2 2002 .alias\n-rw-r--r-- 1 root root 174 Feb 20 2000 .bash_logout\n-rw-r--r-- 1 root root 414 Dec 19 2004 .bash_profile\n-rw-r--r-- 1 root root 2044 Dec 19 2004 .bashrc\n-rw-r--r-- 1 root root 375 Apr 2 2002 .cshrc\n-rw-r--r-- 1 root root 120 Jan 14 2003 .gtkrc\n-rw-r--r-- 1 root root 59 Dec 27 2004 .zshrc\ndrwx------ 5 root root 4096 Jun 26 2003 Maildir\n\n./Maildir:\ntotal 20\ndrwx------ 5 root root 4096 Jun 26 2003 .\ndrwxr-xr-x 3 root root 4096 May 6 20:08 ..\ndrwx------ 2 root root 4096 Jun 26 2003 cur\ndrwx------ 2 root root 4096 Jun 26 2003 new\ndrwx------ 2 root root 4096 Jun 26 2003 tmp\n\n./Maildir/cur:\ntotal 8\ndrwx------ 2 root root 4096 Jun 26 2003 .\ndrwx------ 5 root root 4096 Jun 26 2003 ..\n\n./Maildir/new:\ntotal 8\ndrwx------ 2 root root 4096 Jun 26 2003 .\ndrwx------ 5 root root 4096 Jun 26 2003 ..\n\n./Maildir/tmp:\ntotal 8\ndrwx------ 2 root root 4096 Jun 26 2003 .\ndrwx------ 5 root root 4096 Jun 26 2003 ..\nduke:/etc/skel#
All I can say is... *COOL* you really are trying and doing... \\o/ YEAH!
Oh, this is just my home machine. My /etc/skel on my primary File server has much more.