Docs: indicate the default settings.toml location
# Configuration
-Rustup has a settings file in [TOML](https://github.com/toml-lang/toml) format
-at `${RUSTUP_HOME}/settings.toml`. The schema for this file is not part of the
-public interface for rustup - the rustup CLI should be used to query and set
-settings.
+Rustup has a [TOML](https://github.com/toml-lang/toml) settings file at
+`${RUSTUP_HOME}/settings.toml` (which defaults to `~/.rustup` or
+`%USERPROFILE%/.rustup`). The schema for this file is not part of the public
+interface for rustup - the rustup CLI should be used to query and set settings.
On Unix operating systems a fallback settings file is consulted for some
settings. This fallback file is located at `/etc/rustup/settings.toml` and
