config: export & list defaults

@mreiferson this is a continuation of conversation in #47

This makes all config values exported, but copies them into a separate config object in Consumer and Producer so they can only be modified before you pass to a Consumer and Producer. This should mitigate the previous need to unexport fields.

I've also added a new way to denote defaults by marking them with struct tags. I like how this comes out by avoiding comments that might stray from the code values actually defaulting. I took a slightly different approach to just panic if an uninitialized config object is ever encountered.

thoughts?
test is failing because this `default` value needs to be a string - so it's not actually being set in `setDefaults`