[Rails] New to rails - apparently need patch to use PostgreSQL

Help please. My first attempt at Rails, I'm trying to use PostgreSQL
and I'm seeing this error. I'm also new to PostgreSQL, but the
default encoding in PostgreSQL appears to be SQL_ASCII. I'm not sure
if I should try and get the patch or try and change the PostgreSQL
template. Sorry I'm so confused. FWIW, I've been a .NET MSSQL
developer and want to get up to speed on Rails with PostgreSQL.

Thanks.

https://rails.lighthouseapp.com/projects/8994/tickets/4304-cannot-set-postgres-adapter-encoding-to-anything-besides-utf-8

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