Hi Mike, and Welcome,
When you say "added by default", I'm not sure if you are referring to how many features you will get, or what will change on your camera after you load CHDK.
Let's start with what will change on your camera. After properly loading CHDK and booting it, there should be no immediate difference in camera function (other than your face detect button working differently and a different image on boot). If you set your camera for manual, with flash on, ISO 800, etc.. that is what you get.
Now let's talk about CHDK. The CHDK capabilities are only limited by the camera model. Our SX130IS does not have an ND filter, so CHDK functions that use or change ND filter settings do not apply. We do have a flash, so using CHDK, even if your flash is open and set for auto you can tell your camera not to use it. The same applies for nearly all other camera functions (ISO, Shutter, etc..).
And so, I would have to say that you get all of the features by default, but you have to tell CHDK to use them.
Hope it helps!