Why not just use rbenv with a $HOME/.gem directory. Much simpler as Ruby versions come with their own openssl.
I was using rbenv, but try installing an ancient version of ruby through rbenv, I have never been able to get it to work without having the existing openssl library in my system (not an issue with newer versions)
Macports never did this and kept libraries side by side cleanly.
Now, this is from the point of view of a software developer with a specific niche requirement. For normal users, from a security standpoint, it would most likely make sense to remove old versions of openssl.