add defaults for nested objects in user properties

[CollinBeczak]

Fixing error i ran into when creating a completely new user.

[codecov-commenter]

Codecov Report

Merging #2153 (513a920) into main (45f46ca) will decrease coverage by 0.01%.
The diff coverage is 100.00%.

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@@            Coverage Diff             @@
##             main    #2153      +/-   ##
==========================================
- Coverage   24.75%   24.74%   -0.01%     
==========================================
  Files         645      645              
  Lines       22122    22122              
  Branches     6798     6798              
==========================================
- Hits         5476     5475       -1     
- Misses      13927    13928       +1     
  Partials     2719     2719              

Files	Coverage Δ
...engeFilterSubnav/FilterByCategorizationKeywords.js	21.05% <100.00%> (ø)
...thChallengePreferences/WithChallengePreferences.js	80.64% <100.00%> (ø)

... and 1 file with indirect coverage changes

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