I was following the recent discussion about schema.xml files loosely so I might have missed some things. I'm also using a relatively old build of geoserver so I am not up-to-date. I made some changes that will not work with the current version of geoserver but I'll move to geoserver as soon as 1.2 is available.
When I started with geoserver, you had to write a schema.xml file for every feature type you defined. I wrote the FeatureTypeTransformer and that's what I use since then, so there are no schema.xml files in my installation(s). It seems to me that generally the people on this list like schema.xml files. I personally prefer to live without them, if possible. FeatureType/AttributeType should contain enough information so that when the user/client creates a gml feature that validates against the xml schema generated by FeatureTypeTransformer (or whatever it is know) it does not generate any errors when inserted into the datastore. If a generic datastore can't provide enough information, because there are some other contstraints on the type of data (oracle datastore and geometries...), I would subclass the datastore and encode this information there. I'm using oracle db and in my case, there is a special db-table that specifies which table/column contains which type of geometries. There might be other constraints like the one just mentioned that are defined in external meta-tables (or in some other format). I don't want to be forced to write a schema.xml for this case because the same information I would have to write in the schema.xml file is already present in the database. Of course, this is just my case, there might be other people that don't have metatables and/or prefer schema.xml files.
If I had to install geoserver just once, I could live with the schema.xml files, but I'll most likely install more than one server. That's why I like the generated schemas so much. Do FeatureType/AttributeType provide enough information for FeatureTypeTransformer to create 'good' xml schemas. That is everything that validates against the schema validates also against the database schema? Is this not crucial for geotools users? They certainly don't want to mess around with schema.xml files. (?)
Another question? How is the current situation, do I have to write schema.xml files or does geoserver 'fall-back' on automatic schema generation based on FeatureType/AttributeType if there are no schema.xml files? Another solution for me would be to write a tool that reads all the information from the database to create the schema.xml files automatically.
I hope this information gives you some insight into possible problems users might face so that you can make geoserver/geotools as flexible and adaptible as possible.
Simon