addmultisigaddress creates an address respecting the setting, being unable to generate a specific type of address without also adding it to the wallet seems wrong.

I suppose in the future `addresstype` may be refactored to be wallet-specific, which would leave this non-wallet rpc call without an argument. Perhaps there should just be an optional parameter to set it.
if (!gArgs.GetArg("-addresstype", "").empty() && !ParseOutputType(gArgs.GetArg("-addresstype", ""), walletInstance->m_default_address_type)) {
        InitError(strprintf("Unknown address type '%s'", gArgs.GetArg("-addresstype", "")));
        return nullptr;
    }
    if (!gArgs.GetArg("-changetype", "").empty() && !ParseOutputType(gArgs.GetArg("-changetype", ""), walletInstance->m_default_change_type)) {
        InitError(strprintf("Unknown change type '%s'", gArgs.GetArg("-changetype", "")));
        return nullptr;
    }
    if (gArgs.IsArgSet("-mintxfee")) {
        CAmount n = 0;
        if (!ParseMoney(gArgs.GetArg("-mintxfee", ""), n) || 0 == n) {
            InitError(AmountErrMsg("mintxfee", gArgs.GetArg("-mintxfee", "")));
            return nullptr;
        }
        if (n > HIGH_TX_FEE_PER_KB) {
            InitWarning(AmountHighWarn("-mintxfee") + " " +
                        _("This is the minimum transaction fee you pay on every transaction."));
        }
        walletInstance->m_min_fee = CFeeRate(n);
    }
    walletInstance->m_allow_fallback_fee = Params().IsFallbackFeeEnabled();
    if (gArgs.IsArgSet("-fallbackfee")) {
        CAmount nFeePerK = 0;
        if (!ParseMoney(gArgs.GetArg("-fallbackfee", ""), nFeePerK)) {
            InitError(strprintf(_("Invalid amount for -fallbackfee=<amount>: '%s'"), gArgs.GetArg("-fallbackfee", "")));
            return nullptr;
        }
        if (nFeePerK > HIGH_TX_FEE_PER_KB) {
            InitWarning(AmountHighWarn("-fallbackfee") + " " +
                        _("This is the transaction fee you may pay when fee estimates are not available."));