If there was a piece of software that needed 3 colors set, and there was a choice to set the 3 colors yourself, or pick a color preset that some person spent time combining just right, a lot of people would appreciate the latter.
Sitting and making subjective taste-based considerations is a huge energy and time sink, and takes a certain kind of individual to actually enjoy. Even if you did take time on one thing, you still hope that you don't have to do that on others. Having somebody sweat these details for you, so your baseline is strong, is a lot of value in practice, because we're human and we like nice things, and knowing that even if we don't customize it, somebody already did with great care.
Why even listen to premade music. You can just throw together samples/notes yourself. Why listen to lyrics/poems, you can just put together some words yourself. Why hire an interior designer. You can just make it the way you like yourself. Etc.