Thanks for posting this Joe. This is a pretty good overview of the active defaults and annotation sets. I would like to add some more information that might help clarify some things for people that are not as familiar with them.
First, annotation sets are not nearly as complicated as most people think. You don't even need to use annotation sets to use Chief. They can make your work much more efficient though which is why you will find most power users taking advantage of them.
Whether or not you use annotation sets, Chief will always use a variety of defaults when you are annotating your plans. These defaults are used to control things like your current CAD layer, your dimensions, text, callouts, etc., as well as your layer set which controls your current display. So even if you don't use annotation sets, you are still using the current dimension default everytime you draw a dimension line.
The Active Defaults dialog (shown in Joe's post above) is the best way to see what defaults you are currently using for any given view. Although all of the defaults shown in the Active Defaults dialog can also be modified in other places, the Active Defaults dialog is probably the easiest and most convenient way to see and manage all of them at once. If you need to change any of these defaults at any time, you can always do this through the Active Defaults dialog.
Annotation sets give you a convenient way of saving and restoring your active defaults in a named group. So rather then go into the Active Defaults dialog and select all of the defaults one at a time, you can choose an annotation set instead and select all new active defaults in one step.
This is how the power users are using Chief more efficiently. They first setup various defaults, layers, and layer sets for all of the things that they use frequently. They then setup annotation sets for the groups of defaults that they frequently use together. They can then use the annotation set toolbar drop-down to quickly change their defaults for the view they are working in. This setup can take a lot of work up front or it is something you can do over time as you work on your plans.
I would encourage people that are not already familiar with annotation sets to set them up slowly over time. If you find that you are frequently going into the Active Defaults dialog to change to a specific set of defaults, then just setup an annotation set to do this in one step instead .
I would also discourage anyone from trying to use someone else's annotation sets. Everyone works slightly different and depending on what defaults and layers you frequently use, your annotation sets will be specific to your needs.