This is what we do for LTSB default apps/ FTA
For Default apps:
On the gold image we configure default apps and export it to an .xml
dism /online /Export-DefaultAppAssociations:”%userprofile%\Desktop\NewDefaultAppAssociations.xml”
We use UEM to copy that file to a location on the VM.
In GPO we point File explorer to that location


User Defined Settings:
We go a step future and when a user logs off a powershell script creates a new .xml file and saves it in UEM profile. On logon, we copy that file to the same location as the one above (it overwrites the gold image xml) and that gets imported.