For Telerik: Install and use the DNN 5 RadEditor Provider (
http://radeditor.codeplex.com/). You will have to download and install this into your DotNetNuke 5.x installation. This will become the standard editor provider in DotNetNuke 6.x.
According to the blurb on Codeplax, this editor provider gives you the "ability to have dedicated configurations per user role. You may have a configuration for hosts, admins, users and guests. Each of them may also be portal or tab specific."
Configuring the editor is also simplified in that there is a UI that is installed along with the provider. So, you go to a host page to do the configuring rather than editing obscure configuration files.