Edit Note: Since I first began looking into this, I have been reminded that the Drupal way to solve this challenge is to develop a Drupal module to customize the default CiviCRM behavior. I have now done so, however something is overriding the custom Drupal module behavior it injects into CiviCRM.
We have understood that with CiviCRM, there are three options for the auto-renew of Civi Memberships:
civicrm_membership_type Add column - auto_renew TINYINT(4), default 0 values: 0 = No auto-renew option; 1 = Give option, but not required; 2 = Auto-renew required;
We have need of an "auto-renew by default / you may opt out" membership mode, as a handful of potential members are absolutely offended that the "Please renew my membership automatically." check box is checked and grayed out.
This particular site runs CiviCRM with Drupal 6.x, latest version of CiviCRM.