Yes default allow and no rules by default. Some sort of default policy would be a great feature - I've been considering it. No one wants agents to DROP tables.
We have a big and detailed config file for our own internal use - but reluctant to release that exactly because it has information about our systems.
There's an example config file here that might be helpful https://github.com/denoland/clawpatrol/blob/main/examples/ga... - we use agents to write the config by pointing it at https://clawpatrol.dev/llms-full.txt