I always want to include Adviser charges in the forecasts under 'Risk analysis', is there somewhere I can set this as default?

If you are an Admin user, you will be able to go into Settings > Adviser charges and click the 'Include this in all forecasts' button:

This will turn it on for all users in your firm with access to EVPro.

It is possible for individual Advisers and other users to do this without Admin access.  What this also means, is that individual users can switch this off for themselves, unless their access to Settings is restricted.