@Jlien X - I saw your first post yesterday, but was on the road and couldn't reply. Back to Dan's comment, this feature is basically for a new user who opens a MIDI file, so they will hear something (I think this is a problem all new users have, even myself).
As to "default" instruments, I was always led to believe that a MIDI file only contains note, channel (possibly bank, and patch data), but
not inputs or outputs (these require the DAW's "wrapper file format" to be used in order to be remembered). So opening a MIDI file with this feature will always give you whatever you assigned in Edit->Preferences->MIDI->Instruments.... (By default, Channels 1-9, and 11-16 will be general MIDI, and Channel 10 is a generic drum kit). The MIDI file only will remember the channel assignment, not the specific output.
Did I misconstrue your point?