I haven't looked into where else, if any to validate the items that users upload. I've got a small community, for now, so I can still visit each profile, however, I don't feel the need to police too much due to the nature of our site. I do, however, see the need for a central place. If there is one, please, someone let us know.
The reason I wanted to post however, is that I've seen the confusion for the users below. Here is my use for CB and I find it to be THE MOST IMPORTANT component on my Joomla installation.
It allows me to add more fields and tabs to separate those fields to the user's profile. Our site is used to inventory resources available by each member that could be use in a disaster (Amateur Radio equipment and capability, generators, chainsaws, etc.). As long as the members keep the information up to date, it is very accurate. I've also integrated the Google Maps Component, that load a CB plugin called geocode into CB. This allows the members to be displayed on a map, which works perfectly. The site is a private members only site or I would give you the link so you can see what I mean.
So in short, CB is a critical component that really does allow an administrator to Build a Community as he/she sees fit. So It's not just a change in the login component.
With that said, I still don't quite understand the CB Workflows module. Probably because I've never enabled it and so far haven't needed it. It may make things even easier for me though, so I think I'll look into it.