Just out of curiosity...
Is there a reason why the default fill was chosen to be 50% transparent?
Yes, it's bizarre. It's also bizarre I have to change the font again every time I enter text because it always defaults to the same
Makes sense to me. You can immediately see the layer when it's created, and if you have more than one, the transparency means you can see both. Anyway if you don't like it, change it: