As the OP in this case, the reason I'm not going with OS X's built in
solution is because they don't have a nice front end to handing accounts
in any other way then making them system accounts. And that just doesn't
work for me. I have too many accounts coming and going (sometimes
accounts last no more than a few days as a project runs its course), and
I don't want to be making OS X user accounts each time.