Thank you for implementing this requested default setting!
But... it does not work for me.
I replaced my first beta with this new one,
started with ctrl and reset everything.
I did NOT open an old beta file. Instead I made a fresh new one.
Changed the setting to link images by default
placed an tif-image per drag and drop from finder
opened resource manager -> shows as embedded.
placed a second file (PDF) per drag and drop
same
in Resource manager clicked make linked
clicked on the desktop to change to Finder -> Pub crashes immediately