Document Sets and default content templates - upload only?

Occasional Contributor
I have a document library that uses Document Sets with default content types to manage forms for contracts. (Each contract has a document set, and upon creation of the document set, a set of templates are created for that doc set, such as invoice, report, etc.) I can change the Content Types via Site Settings and link the content type template to a URL instead of uploading, which is great. But it looks like for the default content in a document set, I can only upload. Is that correct? I've been Googling but my search terms aren't bringing up relevant content as they are not specific enough / relate to quite a few issues.
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