Default Rubocop is why you have codebases where code is still complicated, it's just hidden away inside single use modules (concerns) or inside single-use private methods. As far as I'm concerned you just can't defer the architecture of your codebase to a tool like that and I'm sure it teaches more bad habits than good ones.
Instead, decide these things for yourself and keep it in check during code review or the stage before that. Maybe even design rubocops of your own to help. The linter can still do a good job without telling you how to handle complexity.