Yes, at this moment, with nearly all the SBD-payout going into STEEM, it makes little difference which payout option one chooses.

SBD has not been below $1 for a year, hence I suspect many have forgotten to switch payout option, but this low SBD Print Rate has done everyone a favour as it increases overall payouts by having the same effect as the 100% Power Up option.

I've been writing about changing payout option for a couple of weeks and many seemed mystified. Whenever SBD print rate returns to 100%, I'll post about it again :-)

For now, as you say, one need do nothing - just be aware of what may happen when the SBD debt ratio falls below 9%.