Yes, Paris, you are correct. And I understood where you were coming from. My bad that I didn't express that properly.
You would have to select your options each time you create a new character. I was just suggesting that you should only need to select your options each time you create a new character. For myself, not really an issue cause I create 1 character at a time for each campaign. However, if you're like my friend who has many bazillion characters, each saved at levels 1-20 as individual files, that I can see why you would request the option for multiple defaults.
Again, sorry for the misunderstand.