Have to admit I'm still somewhat confused how the E-locker is wired to be "default on", and why you would want it like that. Do you meant that everytime you cycle the key the locker activates?
The way I understand, in a normal setup, when the switch is on, power goes to the locker and it engages. When that power is not present, it disengages. Mine is wired so that it is normally engaged, but it takes power to disengage. By activating the switch on the dash, I am causing applying power to disengage the locking mechanism.
From what I understand, as long as the hubs are unlocked, and the front T-case is in Neutral, it would be no different than having it unlocked all the time. There is no power going to the driveshaft, and no connection between the diff and the front wheels. Therefore, there would be no movement up front whatsoever, save a little friction if the grease is way overpacked in the front end. You could have the whole thing welded together in the front it wouldn't matter, nothing is turning. The difference would come about once you engage the front hubs, or shift the front t-case into gear, then I'm effectively locked, unless I switch the power on and unlock the differential. Maybe a bit odd, but it only seems to make a difference on the tight turns, so I unlock it then, but in the rocks and such, I'd probably have it locked anyway. If the locking mechanism fails, I'd rather have it locked than unlocked...I can always effectively unlock it by unlocking the hubs and shifting the t-case into neutral.
If my reasoning is wrong, please feel free to let me know. That's why I'm here, to gain knowledge, and there's plenty of it to be had on this site. This is a new setup for me, but it seems to make sense, as explained by the P.O. , and verified by Campfire and Stephen. Remember, this truck isn't a daily driver, off road performance is first, on road is second, so it seems to make sense to have it set up this way. As long as the guy driving gets both hubs unlocked, we'll be fine.