What I recommend doing:
Create a normal settings.py file and import one of the others in there. This avoids duplication of settings shared among the three scenarios + it is actually the recommended way of doing it according to the DRY principle.
Typically, you will only have the set the debug parameter, database settings and private keys in the specific settings files. All the other settings should be shared among all scenarios to avoid forgetting to update one and getting hard to debug errors.