I started my project without cargo at first and tried to start writing code without a cargo.toml. I was surprised that cairo didn't default to 2021 until I specified it in the .toml file. Good point that cargo init/new would have solved this!
I guess my point about the compiler was that it seems to rely on cargo.toml for many 'optimizations' that I would expect to be defaults. (Examples include the two i mentioned above).
But I'm new to the language and understand that most people will just use `cargo init` and google a few other common cargo.toml settings to improve compile times.