User Default Filter
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Most sites that I work on have Full HTML as the default filter because most of the users prefer to use a WYSIWYG editor like FCKEditor. When using a WYSIWYG editor you need to have the Input Format set to Full HTML or all the WYSIWYG goodness won't show up.
Personally I prefer not to use a WYSIWYG editor, nor do I prefer to use Full HTML as my Input Filter. I like to keep my nodes simple and the Filtered HTML Input Filter works just fine for me.
