Settings_Engine: Default to not loading all directories when loading settings

[FraserGreenroyd]

Fixes #3183

[pawelbaran]

Change makes sense and solves the original issue that led us here. Thanks @FraserGreenroyd 👍

[FraserGreenroyd]

@BHoMBot check compliance
@BHoMBot check required

[bhombot-ci]

@FraserGreenroyd to confirm, the following actions are now queued:

• check code-compliance
• check documentation-compliance
• check project-compliance
• check branch-compliance
• check dataset-compliance
• check copyright-compliance
• check code-compliance
• check documentation-compliance
• check project-compliance
• check core
• check null-handling
• check serialisation
• check versioning
• check installer

[bhombot-ci]

The check code-compliance has already been run previously and recorded as a successful check. This check has not been run again at this time.

[bhombot-ci]

The check documentation-compliance has already been run previously and recorded as a successful check. This check has not been run again at this time.

[FraserGreenroyd]

@BHoMBot this is a DevOps instruction. I am requesting neutral checks on: installer, unit-tests, ready-to-merge

[bhombot-ci]

@FraserGreenroyd I have provided neutral checks to the checks requested. These checks will need to be run properly to obtain full results.