Restrict user folders to a user!

I've been doing some testing with the Personal Folders option in Framework Folders recently and noticed that the default security group is public. This seems a little odd to me and most of my user who naturally assumed content in these folders would be private by default? Anyway, I would like to know if it is possible to make a user's folder only accessible to them and default any content they drag & drop in there (i.e. no metadata prompt) to also be available to only that user by default.

I found that I can use FldPersonalFolderSecurityGroup to default the security group but I really need to default the user access list value to achieve the above I think. Is this possible without a custom component?