Thanks for the replies.
If you mostly do audio recording and don't record MIDI very often (and if you have the "Allow MIDI recording without an armed track" option disabled), I guess you almost always arm the track first before hitting R to start recording, so the steps to record are always the same between audio and MIDI. But for someone like me who mostly record MIDI (haven't done any serious audio recording in Sonar for some years now) and is accustomed to the convenient "record without an armed track" behavior, the steps to record in audio tracks one by one (i.e. having to manually enable and disable arming each time) seem somewhat a hassle.
I think it's best to drop the "record without an armed track" feature and then add an auto arming feature (as an option) to both audio and MIDI tracks. And, of course, the previous track that was auto-armed should be automatically disarmed. The reference guide says Sonar doesn't allow auto arming because you could unintentionally overwrite (delete) an existing audio clip by mistake. But I'm not sure. When you record into a track, the first thing you do is click the track to make it a current track, isn't it? Also, we have Undo, don't we?
And, ironically, the current implementation made me unintentionally overwrite a clip in the previous track because I FORGOT to disarm the track (used Undo afterwards, of course ). Another daw I use has auto arming for both audio and MIDI and it works beautifully, so I believe it's technically possible. Maybe I'll submit a feature request, if not already done by someone else...