Would it be a reasonable solution to have area defaults tagged into the boundary relation/polygon that defines that area. (e.g an administrative boundary).
For example, we could have values similar to "unsigned residential ways" - maxspeed 50 U-turn at traffic signals yes/no unsigned motorway maxspeed 130 school hours 08:00-09:30;14:30-16:00 school days mo-fr public holidays 1/1;.... Then we only have to tag the exceptions. It would however, mean that we have to define permissive restrictions.
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