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no need to waste resources calculating the wallet available coins if they are not going to be used. The 'm_allow_other_inputs=true` default value change is to correct an ugly misleading behavior: The tx creation process was having a workaround patch to automatically fall back to select coins from the wallet if `m_allow_other_inputs=false` (previous default value) and no manual inputs were selected. This could be seen in master in flows like `sendtoaddress`, `sendmany` and even the GUI, where the `m_allow_other_inputs` value isn't customized and the wallet still selects and adds coins to the tx internally.