Wrappers vs. Dotfiles

Usually user applications (like editors, etc.) get configured through dotfiles in the user's home directory. An alternative, declarative approach is to create wrappers for application on a per-user basis, like this:

{
  users.users.root.packages = [
    (pkgs.writeScriptBin "htop" ''
      #! ${pkgs.bash}/bin/bash
      export HTOPRC=${pkgs.writeText "htoprc" ...}
      exec ${pkgs.htop}/bin/htop "$@"
    '')
  ];
}

Downside of the Wrapper Approach

There might be applications that don't provide means to specify configuration. One could override $HOME, but then there might be applications that require $HOME for other stuff than configuration.
Applications cannot write their configuration anymore, e.g. htop will just terminate without error and nothing changed.

Alternatives

Home Manager manages dotfiles in the user's home directory