What has worked for you in billing & accounts?

This matches my experience exactly. The hard part is staying consistent once the initial novelty wears off.

I respectfully disagree on one detail. In my setup the opposite held true, though I suspect it comes down to community size.

Strong agree. Good defaults beat a wall of toggles every single time.

Could you say more about how you measured the result? I want to try this but I am not sure what success would look like.