ALTER DATABASE database_name DEFAULT CHARACTER SET utf8 COLLATE utf8_general_ci;
And you don't have to worry about it for any new tables. (If you have existing ones, you'll have to change the table default, and possibly the column too.)
I generally agree.
Note: I think if you leave out any specific encoding configuration from your my.cnf, mysql implicitly goes with latin1.
For users who are assuming a modern unicode/utf8 default setup, might be nice if the mysql folks would require an explicit config for this setting.
ALTER DATABASE database_name DEFAULT CHARACTER SET utf8 COLLATE utf8_general_ci;
And you don't have to worry about it for any new tables. (If you have existing ones, you'll have to change the table default, and possibly the column too.)