PS: I also advise people to make use of setchangeaddress= setting in the wallet, to avoid creating too many small piles with 'change' that will have hard time staking by themselves, and won't be 'vacuumed' by PoS, because PoS group stakes only amounts in the same kernel (address). Cryptocurrency terminology is weird at times, as so many people from different cultures and linguistic envoronments contributed over the years.
setchangeaddress= is useful when you send coins, to specify where the change should be sent. Usually, you set it to your 'main' or 'change' address -- which might be in the same or different wallet. You could for example set it to your staking address as well. For example, if you have an 500.001 DMD pile and send 200 DMD somewhere, you will end up with an 300 DMD pile (0.001 will go for the fees) and if you have setchangeaddress= setting, that 300 DMD will go to the specified address. If you don't set it, usually a new address will be created in your wallet and the 300 DMD change will be sent there. Which might be a problem, as you will then have to backup the wallet after that transaction, or risk losing those 300 DMD if you damage the wallet.dat file. Things like that.
idea:
what if by default the first (oldest) address in a wallet file will be the change address
if not configured different in diamond.conf