This is my (JohnMcPherson's) mutt rc file.

#### GENERAL SETTINGS ####
set editor="emacs -nw"
set visual="emacs -nw"
# use internal pager - get colours!
# but use less, we can get proper charset stuff
set pager="less"
# my terminal's default charset
set charset="utf-8"
set sort=reverse-date
# path to sendmail for outgoing mail
set sendmail="/usr/sbin/sendmail -oem -oi"
# Save sent mail
#set record="~/Mail/mutt_Sent"
my_hdr Bcc: my@email.address
# don't show Bcc field to recipients!
set write_bcc="no"
set from="\"My Name\" <my@email.address>"
#save-hook .*From:.* =sent
# run a script to choose a random sig
set signature="~/bin/scripts/getsig.pl|"

#### IMAP SETTINGS ####
# for imap rechecking
set timeout=60
set imap_user="myusername"
set mail_check=30
# versions at uni don't have ssl support compiled in...
#set spoolfile={imap.cs.waikato.ac.nz/ssl}
#set folder={imap.cs.waikato.ac.nz/ssl}
#mailboxes {imap.cs.waikato.ac.nz/ssl}
# make mutt use my imap account as default
set spoolfile={imap.cs.waikato.ac.nz}
set folder={imap.cs.waikato.ac.nz}
mailboxes {imap.cs.waikato.ac.nz}
####
#### COLOUR SETTINGS ####
# - default, and color<n> are special
# color <obj> [bright]<foreground> <background>
### I've never actually managed to get these to work - John
#color "body" green black e
#color header yellow yellow e
#color "signature" green color2
#color bold green green
#color quoted green default
#color signature red default

## Indicator is the currently selected message ##
#color indicator brightyellow red
color indicator red white

#
#color error brightred default
###color error brightred white


#### GPG SETTINGS ####
# %p      Expands to PGPPASSFD=0 when a pass phrase is needed, to an empty
#         string otherwise. Note: This may be used with a %? construct.
# %f      Expands to the name of a file containing a message.
# %s      Expands to the name of a file containing the signature part
#                    of a multipart/signed attachment when verifying it.
# %a      The value of $pgp_sign_as.
# %r      One or more key IDs.

# automatically sign all outgoing messages
set pgp_autosign=yes

# which key to use
set pgp_sign_as="0x1EAA5AC1"

# automatically check messages
set pgp_verify_sig=yes

# for checking pgp/mime signatures
set pgp_verify_command="gpg --no-verbose --batch --output - --verify %s %f"

set pgp_decode_command="gpg %?p?--passphrase-fd 0? --no-verbose --batch --output - --decrypt %f"

set pgp_decrypt_command="gpg --passphrase-fd 0 --no-verbose --batch --output - --decrypt %f"

# for creating detached pgp sig (mime/pgp)
set pgp_sign_command="gpg --passphrase-fd 0 -o - --detach-sign --textmode --armor --always-trust %f"

# for signing and encrypting

set pgp_encrypt_sign_command="pgpewrap gpg --passphrase-fd 0 --batch -o - --sign %?a?-u %a? --encrypt --textmode --armor --always-trust -- -r %r -- %f"

set pgp_encrypt_only_command="pgpewrap gpg -v --batch -o - --encrypt

--textmode --armor --always-trust -- -r %r -- %f"

# doesn't work - mutt turns %r into email address instead of key...
#set pgp_getkeys_command="gpg --keyserver the.earth.li --recv-key %r"

# read in the public key ring
set pgp_list_pubring_command="gpg --no-verbose --batch --with-colons --list-keys %r"
# export a key from the public key ring
set pgp_export_command="gpg --no-verbose --export --armor %r"

This is AristotlePagaltzis' .muttrc:

##################
## ENVIRONMENT

set realname="A. Pagaltzis"
set from="pagaltzis@gmx.de"

set folder=~/Mail/
set spoolfile=~/Mail/Inbox
set mbox=~/Mail/Inbox
set record=~/Mail/Inbox
set postponed=~/Mail/Postponed
set alias_file=~/Mail/aliases

source ~/Mail/aliases

mailboxes \
        =/Inbox \
        =/Responses \
        =/community/computers \
        =/community/compression \
        =/community/corewar \
        =/community/perl \
        =/community/personal \
        =/community/work \
        =/lists/cologne-pm \
        =/lists/corewar \
        =/lists/crux \
        =/lists/fsb \
        =/lists/fwp \
        =/lists/gtk2-perl \
        =/lists/linux-users \
        =/lists/misc \
        =/lists/modules \
        =/lists/netgamers \
        =/lists/p6l \
        =/lists/pekwm \
        =/lists/templates \

subscribe \
        cologne-pm@mail.pm.org \
        corewar-l@koth.org \
        crux@fukt.bth.se \
        fwp@perl.org \
        gamers@netgamers.de \
        gtk-perl-list@gnome.org \
        linux-users-discussion@rrz.uni-koeln.de \
        linux-users-discussion@rrzk.uni-koeln.de \
        linux-users-discussion@uni-koeln.de \
        linux-users@rrz.uni-koeln.de \
        linux-users@rrzk.uni-koeln.de \
        linux-users@uni-koeln.de \
        module-authors@perl.org \
        pekwm-devel@pekwm.org \
        pekwm-users@pekwm.org \
        perl6-language@perl.org \
        templates@template-toolkit.org \


##################
## MISC PREFERENCES

set charset=iso-8859-15
charset-hook iso-8859-1 iso-8859-15

set copy
set fcc_attach
set delete
unset beep
unset beep_new
unset mark_old

##################
## MESSAGE CREATION/EDITING

# use vim, tell it to set cursor on first line of body
set editor="vim -c 'set expandtab textwidth=65 | normal }j'"
set use_from
set envelope_from
set user_agent
set attribution="* %n <%a> [%(%Y-%m-%d %H:%M)]:"
set forward_format="Fwd: <%a> %s"
set forward_quote
set fast_reply
set reply_self
set include
set reply_to
set ignore_list_reply_to
set edit_headers
set noabort_nosubject
set abort_unmodified
unset confirmappend


##################
## BINDS

bind pager <up> previous-line
bind pager <down> next-line
macro pager c '<change-folder>?<toggle-mailboxes>'
macro index c '<change-folder>?<toggle-mailboxes>'
macro pager ^s '<pipe-message> sa-learn --spam --no-rebuild --mbox - <enter><delete-message>'
macro index ^s '<pipe-message> sa-learn --spam --no-rebuild --mbox - <enter><delete-message>'


##################
## INDEX/MESSAGE VIEWING

set sort=threads
set index_format="%4C %Z %{%b %d} %-15.15F %s"
set folder_format="%N %3C   %9s bytes   %N %f"
set menu_scroll

set pager_stop
set implicit_autoview

alternative_order text/plain text/html

ignore * # display none of the headers by default
unignore \
        Sender \
        From \
        Organization \
        Reply-To \
        Date \
        To \
        Cc \
        Subject \
        User-Agent \
        X-Editor \
        X-Mailer \
        X-Newsreader \
        X-Posting-Agent \
        Newsgroups \
        X-Resent \
        Followup-To \
        Mail-Followup-To \
        Message-Id \

hdr_order \
        Sender \
        From \
        Organization \
        Reply-To \
        Date \
        To \
        Cc \
        Subject \
        User-Agent \
        X-Editor \
        X-Mailer \
        X-Newsreader \
        X-Posting-Agent \
        Newsgroups \
        X-Resent \
        Followup-To \
        Mail-Followup-To \
        Message-Id \


##################
## COLORS

# used in all screens
color indicator black       white
color search    black       white
color status    brightcyan  blue

# index
color index     brightwhite default "~N" # new messages
color index     brightwhite default "~O" # new messages
color index     brightred   default "~D" # deleted messages

# pager
color bold        brightwhite default
color underline   brightwhite default
color quoted      cyan        default
color quoted1     yellow      default
color quoted2     cyan        default
color quoted3     yellow      default
color quoted4     cyan        default
color quoted5     yellow      default
color signature   brightblue  default
color markers     brightred   default
color tilde       brightblue  default
color attachment  brightgreen default

# pager: message headers
color hdrdefault white    default
color header brightwhite  default "^Subject:"
color header brightcyan   default "^Date:"
color header brightgreen  default "^From[: ]"
color header brightyellow default "^To:|^Cc:|^Bcc:"
color header brightred    default "^(Reply|Mail-Followup)-To:"
color header brightblue   default "^[^:]*-Agent:|^[^:]*-Mailer:"
color header yellow       default "^X-[^:]*:"

# URLs
color body brightcyan default "(finger|ftp|https?|news|telnet):[^ >)\"\t]+"
color body brightcyan default "www\\.[-.a-z0-9]+\\.[a-z][a-z][a-z]?([-_./~a-z0-9]+)?"
color body brightcyan default "[-a-z_0-9.+]+@[-a-z_0-9.]+"

# *bold* _underlined_ /italic/ text (imperfect)
color body brightwhite default "(^|[^[:alnum:]])[*_/][-_&!.,[:alnum:]]+[*_/]($|[^[:alnum:]])"

# smileys (imperfect)
color body brightyellow default "(^| )[;:8]-?[][)(PDp/|\]+($| )"
color body brightyellow default "<[Bb]?[Gg]>"