I don't believe that there is currently a way to access a default.pl file. Player quests were implemented by KLS to access the player.pl file, so I'd imagine something similar would have to be created for this case.
The templates folder is a way to place a single file for an NPC in all zones, such as the Nexus Scions. Rather than having to place the file every zone with a scion, one file can control them all.
This is a good idea, though, and I believe it's been talked about in the past. I'd be interested to see it so that return plug-ins could be created for every NPC easily, so that they'd return items. However, there would of course have to be an exception set so that pets wouldn't use the same file.
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