Hi,
  Can we consider changing defaults only for users who don't have any init file at all ?

  This change may not solve many problems, due to two other features of emacs : 

1. Emacs undo is frustrating for most new users. Correcting mistakes with delete-selection-mode i.e. restore a selection that was deleted due to a mistaken delete by typing/pasting , will need them to use undo. 

2. In their attempt to play with undo/redo, they might do C-y. Which pastes in Emacs : but it is the key for redo in many "modern" editors. This can cause more unintended deletions in delete-selection-mode.

Thanks