I feel like the closest analogy to leaving everything set to the default would not be an out-of-tune piano but one that you've left in 12-ET instead of retuning

I feel like the closest analogy to leaving everything set to the default would not be an out-of-tune piano but one that you've left in 12-ET instead of retuning it to just intonation in the key you use. Vim on default configs is still a perfectly functionality piano.