I just override settings at the top of my programs.

Code:
' PicBasic Pro program
' Michelle Science Project
' Game Show Buttons, version 1, April 2011

ASM
@ DEVICE PIC16F877, HS_OSC, WDT_OFF, PWRT_ON, BOD_ON, LVP_OFF, CPD_OFF, WRT_OFF, DEBUG_OFF, PROTECT_OFF
ENDASM

DEFINE OSC 20       ' 15-33pF (22pF used)

yada yada yada
I could be using the default values; I never bothered to check.

But as someone said, I don't loose settings with future upgrades. Or worse, have the default settings changed and pull what little hair I have left trying to find what is wrong in my code.