As I pointed out in my initial post, I discovered another app that did exactly what I suggested so unless this is something that Defender just added in the last 6 months, this is not true.
The idea is not stupid, just not in line with Information Security best practices.
This is the reason Windows 10 and 11 are really anal about ensuring, as much as possible, that the USER makes the changes to default apps, etc and not some random program anymore.
From an Information Security perspective, applications that modify your exclusions
without your knowledge or being
explicitly indicated during an installation that this was happening, would be bad.
If the installer prompts the user and informs them in a very robust way, then that's
slightly different.
Slightly different in that most people don't read anything when they install programs and just hit next next next next until it's done; but at least it told you it was doing it... if you bothered to read the prompts that is.
These are the kind of people that malware and questionable vendors rely on.
Adobe includes McAfee something or other in its products. Unless you are
methodical about it, you will end up with that turd on your machine. It's super shady.
JR don't recommend
everyone make modifications to Defender settings; my understanding is that they recommend it when someone has a weird issue.
In this case, it also makes sense not to force these settings onto all users, potentially making every user's computer less secure where it's a subset of users that have the need instead.