It is changed.. my argument is, in a home environment why do you need to make the router admin login strong, when just changing from the default is good enough? Especially if its just you and your wife on the network
It is people like this that makes if "fun" on the interwerbz. Let me take a guess, your personal details (banking, passwords and sensitive information) is not encrypted on your PC right? When last did you update your router firmware?
A couple of years back we had a ball obtaining and resetting hundreds of router ISP details. Between us we had way over a hundred accounts.
War-driving, those were the days...

It takes quite a bit longer to secure all your ports, make sure your firewall drops undesired requests, etc, why not just take a couple of seconds and change the user/password.
See it like a gate with locks, the more locks the longer it will take to force open the gate.
All you need to do is make one mistake, only one mistake in your router and firewall setup and you are done for, therefore, pile on the "locks"!
If someone wants in they will eventually get in, but making it harder discourages the faint of heart.
If you are still not convinced, Google "remote management vulnerability" for your router. Netgear, DLink, Linksys, most of them had a bug one time or another.