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my $factory = Config::Builder->new qw(
  user => user
...

print "user dir is ".$config->("userdir")."\n";
print "admin dir is ".$config->("userdir")."\n";

$values = {
    basedir => "/base/dir"
...
/base/dir/html/user
/base/dir/html/admin
----

$values = {
    basedir => "/base/dir",
...
/base/dir/html/customuser
/base/dir/html/admin
---

$values = {
    basedir => "/base/dir",
...

/custom/html/dir/user
/custom/html/dir/admin

my $c = read_your_config_file(); # returns a hash of values
use File::Spec::Functions;
...
$c->{userdir} ||= catfile($c->{htmldir}, $c->{user});
$c->{admindir} ||= catfile($c->{htmldir}, $c->{admin});
$c->{email} ||= "$c->{username}\@$c->{domain}";