I would love it if the .ssh folder was also protected by default so that I would know if any application every accessed it, I would be notified. I know they are supposed to have permission 600 and normally won't be trusted if they don't. Because of this, I've always thought it odd that they aren't created with the correct permissions by default, instead of requiring you to explicitly change it. I've also always thought it odd the .ssh folder and files just as the .netrc file are not encrypted secure files by default that always require a password to access or at least require a password to access at least once every 5 minutes or so (like is sometimes required when running another sudo command past a certain threshold.
If one of the Linux distros never take the lead here, it would be sweet if OS X were one of the first ones to lead the way on legitimizing public/private key generation and exchange by making it much easier, but still secure.