You said that you do not want to show content to users without e-mail approval, moderator approval, etc. in memberships. We could do this in template changes, and we've done it to a few of our members before, but since you said that if there is a plugin, you wouldn't have to deal with all themes or theme updates, we couldn't break your request and turned it into such a small plugin.
Members who have been a member of the forum since the plugin was installed but did not approve the mail or...