This extension looks like what I was looking for. It's listed as compatible with "1.29+". Can anyone confirm it's working with 1.35? What about 1.39? Thanks.
Extension talk:UserPageEditProtection
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Seems like good tool for:
https://meta.wikimedia.org/wiki/Grants_talk:IdeaLab/Protect_user_space_by_default
Indeed, at least it is probably worth considering.
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