not j4k3 but my understanding is that the default keys are expiring soon and need to be rotated, and the rotation is up to your Mobo OEM to push out (?). I am not entirely sure that is correct, but I think it is.
Pros and cons of your own key: Pros: its your key, so youre responsible for your security
Cons: its your key, so youre responsible for your security
People are free to judge people who give up fundamental rights for pocket change