Setting a default for custom user field options

I have a custom user field with two options. I want to start off with one of them (radio button) chosen

e.g. Do you wear a hat? Yes / No

I want No to be the default for all so I'm assuming I can do this with a database query

I tried this but to no avail

Code:

INSERT INTO xf_user_field_value ('field_id', 'field_value')
VALUES ('wearHat', 'No')

Does anyone know what I need to do? Thanks

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