Yes, this will punish the handful of players who use it correctly, but seeing my own mic muted by default, but input volume being 100% pretty much destroyed my hearing for a few seconds by the absolute dingdong of a human being that screamed into their mic during my last mission.
Have input volume be 0% by default. I didn’t even know it was now available otherwise I would have turned it down.
Alternatively let me tick a box on the mission screen if I want to join the voice chat with my current group, and that option being opt-out as default.