When a default Index settings file is created in a new project we do not specify to index packages. 

This has a few issues with all the new workflows built on the search Window:

• VisualEffect templates are not indexed in the URP/HDRP package thus making the new Create Visual Effect from Template useless
• This means the new Lighting Explorer workflows won't have the materials and LightingData coming from URP/HDRP available in their explorers.

What we need to do:

• Index packages by default for all normal build
• D not index packages by default for all source builds to avoid CI slowdown.