I fixed the default sql file to insert the correct data and added a comment to the store_sql config variable with what the default password will be if you use stored salt.
In regards to your questions about security, using stored salts like this is the way most auth systems handle passwords so it can help if your porting over another auth system to Ion Auth. I added this through my integration of Ion Auth into PyroCMS for compatibility with passwords from the old auth library.
Personally I don't believe using stored salts is quite as secure as the default as the default is a more complex encryption algorithm, but that is always debatable.
