For a so-called newbie, your work impresses every time!
You can set up your own 'default' material if you'd like with IOR set to 1.0 and attributes too.
I believe I also set my specular to black in my default material.
These days I use the PBR shader every time that I can (instead of default 'Material' shader).
If you use a PNG with transparency, it automatically uses the 'alpha' - but some possible exceptions if memory serves me.
I've been using an app called Plant Factory lately. When you load a texture map that has an alpha it asks if you want the alpha to be used as an alpha for the material by default. Thats nice!
Keep up the great work!
--shift studio.