According to the manual (Introduction manual section 0.00.12 and forward) it is mentioned that you can save a panel state when required. However...I'd like to get a panel state (the "before engine start") each and every time I start the sim, without having to select one again and again.I know a panel state can be saved when saving the flight in FS, but...that is carrier dependant meaning that when I want a different carrier, I'd have to select the correct panel state again.Isn't there any option to be set (maybe in a CFG file) that no matter what carrier of version (F or PAX) I choose, I always get the correct panel state?

Nope. The only way is the ways you described above, although Wilco has it where you can set different states in the loader and it will be applied to any of their aircraft within that series.