Is stock jetting rich?

Nick,
You are correct, there is no perfect answer of what jets to use. Many factors enter into the equasion. Yes, most bikes will be a bit fat on the circuits for different reasons. But the basics will depend on where you are and how you ride and at what fuel/oil ratio.
If you are looking for a boiler plate setting for jets, you may want to try to lean out all circuits a bit, but the best advise would be to find a jetting tutorial and follow it. If you don't want to jet it up right, you may want to stay with the OEM settings.