In the types of coding projects that I work on, there is often a common code base that people use, and then build their own personalized code on top of it. A way to do this
If the personalization is limited to certain files, with a way to detect just be looking at its content, then you could:
The idea is to make that generation automatically on checkout.
You do that by declaring a content filter driver.
On checkout, in the smudge
script, detect the content (those 'filter driver' scripts don't have the name of the files they are filtering) of a your template files, and generate the right content by looking for a value file in a specific path.