True, but the point was that IF any Picture Control or Active-D Lighting settings are applied in-camera and then the raw file is subsequently opened in non-Nikon software, many new users are puzzled as to why the image on their computer does not look like it did on the camera monitor, especially if they are using the Monochrome Picture Control and then the raw image opens as a color image using ACR.
Sure, everyone does need to understand that Raw is Raw, and any camera settings (other than exposure and focus) only affect the camera rear LCD preview, and the histogram. But no settings are in the Raw file data, which is Raw. Raw is Raw. This is why we choose Raw.
So they also need to understand the purpose of Raw. We can make all those same settings later (white balance, vivid, contrast, sharpening, whatever)...
AFTER we can actually see the image, and KNOW what it needs to actually help it. We can try different things, and choose best result. And Raw has other advantages (simply better tools than the camera has, including lossless edits, precise White Balance adjustments, ability to correct several images at once, etc, etc.). The simple fact that we can SEE IT FIRST is so critically important. Much better than guessing at some vague settings earlier, with no clue (that we probably use for everything, regardless).
There are defaults in Raw, selectable to be about what you would have done in the camera, but then you see it to know what is actually better.
Adobe users of ACR may not see the full range of features right at first.
There are ten tabs across the top of edit area.
The first tab (default) is Basic, for white balance, exposure, etc. This normally seems about 90% of it. Pictures just pop out at us when we get WB and exposure actually correct. But we have to see it to know what that will need.
The second tab is Tone Curve, which includes a preset (at Point, Medium Contrast), which is a very useful S Curve (makes dark tones darker, bright tones brighter - without clipping), which is a very elegant way to increase contrast. (better than the too-dumb contrast slider).
The sixth tab (of ten) is Lens Profile, where you can correct vignetting and distortion, caused specifically by your lens.
The eighth tab (of ten) is Camera Calibration, where you can select Vivid if you crave it, or Neutral for portraits, etc. Or there are a couple of "standard" choices, Adobe Standard, or Camera Standard. You can set any default, or you can change any one image any way.
I think Elements only includes the first and third tab (basic and sharpening). Lightroom and Photoshop have it all.
But seeing the image first, to know what it needs, to see and and know and choose what will actually help it.... that's Raw. Its ability can change your life.
If you care.