passing the current node's taxonomy to a view?

Because I want my site's users to be able to write the text at the top of views, I've created a content type called Listing which is just a page with a CCK viewfield added. I then create the view, and pick it.(*)

The thing is, this then means I have to create tons of views for different things, even though they're fundamentally the same.

Here's what I'd like to do, which I think is possible but I'm not sure how:

I want to create a view that takes a taxonomy term as an argument, and filters by that term. Eg, the view shows all "Story" nodes, and the argument means it only shows those matching that taxo term.
I then include that view on several Listing pages with the CCK viewfield.
Each Listing page has a different taxo term. It's *this* taxo term that should be passed to the view as an argument. This is the bit I don't know how to do!

Alternatively, I could create a new content type that has the view hardcoded in -- as long as the current node's taxonomy term gets passed to the view.

(For those who want the details, it's a community radio site, and we cover news for lots of surrounding villages. I want volunteers to be able to edit the page for each village to add contact details or general info, so that appears at the top of local news for that village. The more volunteers can do without having to go through the site admin, the better!)

Any advice on how to do this would be very gratefully received.

(*) I did look at the Category module, which creates categories as actual nodes, but as I want to use quite a few things that depend on the core Taxonomy module -- forums, blog, image gallery, etc -- and Category overrides it, I was a bit apprehensive about it. Nice idea though, hope it gets into core :)