I see this as a group activity and I certainly don't have all the answers,
but here goes:
Surely new Folders and new Projects are relatively rare events for most
users, compared to creation of new tasks. And if so then what the defaults
are for new items becomes less important.
Moreover
Would suggestion 1 apply only when a task is created using the "new
task" button and the menu equivalents (task>new task; task>new subtask;
Ins; Alt+Ins)?
How about New Folder, New Project, and don't forget New From Template.
Would it apply for tasks created through the RTE window?
Would it