REGR: errors='replace' when encoding/errors are not specified
- [x] closes #38989
- [x] tests added / passed
- [x] Ensure all linting tests pass, see [here](https://pandas.pydata.org/pandas-docs/dev/development/contributing.html#code-standards) for how to run them
- [x] whatsnew entry

Should 1.3 use `errors='replace'` when no `encoding/errors` are specified or use `errors=None` (strict)?