Another way, with auto-generated accessors, and parameter name validation. Also allows setting parameters in the "new" call. Avoids namespace collision by using a separate namespace for USERSETTINGS.

use strict;
use warnings;

{package MyClass;

my @usersettings = qw|bgcolor fgcolor carmodel hairstyle sexualprefere
+nce
                       foo bar baz|;

foreach my $s (@usersettings) {
        eval  "sub setting_$s : lvalue { \$_[0]->{USERSETTINGS}{$s} }"
+;
        $@ and die "Error setting member $s : $@"
    }

sub new {
    my $class = shift;
    my %options = @_; # Remaining params are optional user settings
    #my $self = { USERSETTINGS=> {map 
    #         {exists $options{$_} ? ($_=>$options{$_}):()} 
    #          @usersettings  }};
    my $self = {};
    for my $opt(keys %options){
        grep {$opt eq $_} @usersettings or die "invalid option:$opt";
        eval "setting_$opt(\$self) ='$options{$opt}'"  ;
        $@ and die "Error setting option $opt : $@"
    }
    return bless $self,$class;
}
1;
}
#---------------------------------------
package main;

my $obj = MyClass->new( carmodel=>"BMW" );

$obj->setting_foo = "bar";

print "FOO=" . $obj->setting_foo . "; car=" 
  . $obj->setting_carmodel ."; \n";
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