There are two ways to load a model:
1. Via the load endpoint
2. Inline with a completion
The defaults were not applying on the inline load, so rewrite to fix
that. However, while doing this, set up a defaults dictionary rather
than comparing it at runtime and remove the pydantic default lambda
on all the model load fields.
This makes the code cleaner and establishes a clear config tree for
loading models.
Signed-off-by: kingbri <bdashore3@proton.me>