this fixes the smtp credential issues where emails auto default to use s...

...ettings.

however with using email services like SES, the SMTP login might not be a valid email address so it fails hard.

following examples from feature fix for django password reset from_email fixes (https://github.com/django/django/commit/4084bc7354), able to add new settings to auto default reply to.

first commit to merged hq codebase!