Now, see, I would argue EXACTLY the opposite. I worked (briefly) for a Rails "house." I was assigned to a project that someone who had left the company had been working on, and told to add payment processing. I started working through the idea, putting stuff in the places it should go throughout the stack. About halfway through the process, I finally noticed some code that looked almost exactly like my function, "below the fold" of the text editor window. Then I started noticing that I had duplicated the little snippets of code needed in many files. They looked almost the same, and they were in all the same files. In fact, I realized that ALL the code to enable the processing was already done, and all I had to do was expose it on the page. To me, it was a crystal clear example that each bit of code needed to do something in Rails has a "correct" spot, and it's hard for me to believe that anyone with a nominal understanding of Rails wouldn't grok the organization, and naturally do things "the Rails way."
My experience doing agency work with Rails has been similar. Love or hate the opinionated nature of it, switching projects was fast because generally you'd just know where any given thing's home would be.