have posted this before but because of the discussion in the windows app forum i decided to check and sure enough i found another file with the issue

opened a table in DBBLDR and there were no defaults
saved off the CCH file
did a refresh in DBBLDR and the defaults came back
renamed the new CCH file and brought the old one back and POOF defaults gone

so obviously somehow the CCH files get messed up and then the defaults disappear. If you dont see it and save changes to the file the defaults on SQL server are being removed and then of course you cant create new records any longer