I don't try for that level of generic. I use the macro in the custom window to load my generic bind file, which has my keys set the way I like them, and I have a key set for each of my characters to load there specific binds, for different travel powers or to set up their toggles and such. I put those on the F keys, like this:
F1 "inspexec_name uncanny insight$$inspexec_name keen insight$$inspexec_name insight$$inspexec_name Sight Beyond Sight"
ctrl+F1 "bindloadfile .\binds\generic.txt"
shift+F1 "nop"
alt+F1 "nop"
F10 "say $battlecry $$ emote attack"
F2 "inspexec_name resurgence$$inspexec_name dramatic improvement$$inspexec_name respite"
CTRL+F2 "bindloadfile .\binds\JB.txt"
shift+F2 "bindloadfile .\binds\FlameShadow.txt"
alt+F2 "bindloadfile .\binds\LMan.txt"
If I add or change something for a particular character, I can easily edit the file while playing, then go back to the game and load the file by hitting the key. I had about 60 alts on Live using this. Was probably a bit crazy, but it worked for me.