Another thing I read is that the same settings that are applied to JPG are available to the RAW file by default.
This is only true if you use the RAW development software supplied by the camera manufacturer. 3rd party software such as Adobe Lightroom and Photoshop can't read the default settings from the camera as this info is proprietary and the camera makers don't release it.
I'm new to Lightroom, but it seems to have access to this so called proprietary information; I mean it's simply Exif metadata. For example, white balance displays, "As Shot", by default in Lightroom. I tested this with photos taken with extremely intentionally incorrect white balance in RAW+JPG and Lightroom displays it, "As Shot", incorrectly as predicted. I can then set the correct white balance and the picture looks fine.
So, what proprietary information are you referring to that Lightroom can't read?