Addressing an issue that affects 10% of a particular demographic (especially when that demographic is over represented on the internet in general) is wise, but the answer is not just “choose better colours” because of the many different forms of colourblindness.
The answer is choosing sensible defaults (stick to frequently used patterns your users have encountered before), support with high-contrast iconography and shape where possible, and don’t rely on colour alone for any part of your design (use tools like https://www.toptal.com/designers/colorfilter to see how your design survives through colourblind eyes).
Anyway, my main point is that although I'm technically colour blind, unless you're using particularly muddy shades of red and green, or particularly small splashes of colour, it doesn't matter too much. The key goal is to avoid colour-dependent design, but not to be afraid of colour either.
I agree that local settings should override. But lets start with something legible and override with finely-graduated pastels, not the other way around (as part of a wider push towards good UX defaults).
(Using a high contrast dark mode with small text over here. It's what works for me, and "you can't configure your own environment because security" would have me kicking and screaming like a toddler).