I found people are coming to this site (to an unrelated article) looking for a way to merge settings into an array.
You’re looking for wp_parse_args()
The main function for WordPress to do this is wp_parse_args(). You likely want this function.
Learn more about wp_parse_args()
Also consider shortcode_atts()
This is used for parsing shortcode options. It only supports defined arguments.
Learn more about shortcode_atts()
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