The general pattern could be cards with names like _user+edit_method (which would be a Pointer that could be "default", "wiki", "Markdown", etc.). The other example listed could be something like _user+|cardname|+*openclosed (a bit tricky since we might want to save state based on the context the card was in; maybe _user+|including card|+|cardname|+*openclosed ?).
_user+Config could be the GUI card for editing preferences. This would then be put in, or linked from, the sidebar, the person's User card, etc.