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but if they are either mutually exclusive, or that one must be selected for the operation to work, then the designer/developer has to choose a default.

Often, the user don't even know what they want, and assume the default is the right choice, since it's "professionals" who have chosen it.

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Of often they'll be unaware the setting exists or even more likely be unaware that the setting even _might_ exist (and therefore don't even think to Google it).

Though often still theyll be afraid to look around at settings for fear of breaking things.

not making the settings accessible is a design failure, imo

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