Best practices for 1.5 configurable user model and profiles

I am curious how people are handling the new 1.5 user model with regard to User Profiles. Is it best to add all profile information to a custom user model? Or keep the user model for authentication information only and create a one-to-on or foreign key to a profile model (similar to the pre-1.5 best practice)?

In my case, users will have an avatar, a bio, a location, and other profile type information.

What are the pros and cons of each approach?

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