That's just a matter of appropriate fab -- don't want paste on test pads or fiducials? Then disable it!

I don't think there are design rules for variants. But you can take a look and see. Otherwise, yeah, you're customizing for each paste variant you want. Huge pain, error prone.
I have seen boards made with glue variants. Most obvious evidence: a table on silkscreen showing the options, with a little dab of glue inside each option that particular variant had.

(Was also a 2-side load, with bulky-ish inductors and BGAs -- a laptop motherboard -- so they needed glue anyway.)
They also used OSP, obvious from the now-tarnished, unplated, untinned mounting holes. Something to think about if you need testable or solderable pads later in your product's life cycle. Tin, ENIG or solder helps a lot.
Tim