Yes, the max default is unrelated.

1) It's significantly past the 15-20 degrees that I have tested.
2) It's an absolute angle, which is not what I'm discussing. The plane can momentarily bank harder than 35 degrees and recover from it, but this problem becomes much harder if it's constantly averaging 35 degrees.
3) If there's any wind, the bank angle will be higher than the average angle. When I was doing experiments I would find that the plane would routinely reach 35 degrees.

Assuming coordinated flight, the max angle is not a function of the airframe, only of the speed.