I don't know what emacs does - I can almost guarantee it's not standard though, emacs doesn't do much of anything the usual way.
As for a default .cshrc/.tcshrc/.bashrc - what would you expect to find in one? It's just a script with commands that execute when the shell starts. There isn't really any way of deciding on a default set of commands to execute, unless that set is the empty set - so, an empty file, or one consisting entirely of comments maybe...