I wholeheartedly agree with this blog post. I believe someone on here yesterday was asking about config file locations and setting them manually. This is in the same vein. I can't tell you how many times a command line method for discovering the location of a config file would have saved me 30 minutes of googling.
Certainly not. Nothing should write to /usr/bin except for the package manager in FHS distros and some distros binary directories aren't writable at all.
If you are a developer, please take a look at the XDG Base Directory Specification and try to follow it, users will be very grateful.
Short summary:
Look for $XDG_CONFIG_HOME for configs and $XDG_STATE_HOME for state. If they aren't available, use the defaults (./config and .local/share).