It has been a concern of mine for some time
If your playing solo this does not matter, if your playing MP I don't think it's worth too much worrying about. Does anyone "know" what the best "settings" to use are ?.
I expect it would be HIGH Initiative and defensive behaviour, if wanting to defend, and HIGH Initiative with offensive behaviour if wanting to attack - but I don't think it is as simple as that ???? ?. You might start defending, but then what if you want to attack ?....or the other way around.
A few questions spring to mind :
What "cost" should there be to changing these features ?.
Why would one setting cost more than another ?.
I'd be more than happy if it was all fixed so it could never be changed - but I expect you would get many complaints about that idea.