I am recommending that people who do not understand the trade-offs and do not have the traffic for it to matter should probably leave those safe defaults alone. What the banks choose to do is unfortunate, but should not dictate behavior. If all the banks chose to jump off a bridge, etc.
Recommending people unfamiliar with configuring SSL leave defaults alone is only incompatible with our having non-default config if you are implying I don't understand configuring SSL. I doubt that is what you mean, as I am ever the optimist.
Yay!,
Lil' B