hi greg, your use case will be unaffected.
when we create a new user, we populate the home dir with some dotfiles. it'd be nice if they were good dotfiles. you can always replace them, and these changes won't affect existing users. I agree it would be nice if they were the 'actual defaults' rather than 'configuration default', but changing the configure default is tougher as it will affect existing users. I do use the default dotfiles, that's why I care about them strongly.