Every UClass has static function GetDefaultObject() that returns “default” object for this class. By default I mean a version that doesn’t really exist in the world, but has all the values set as right after constructor invocation and blueprint-side defaults (if it’s blueprint class).
You can then cast this object to your desired type withouth the need for spawning temporary object of the class.
Commonly in documentation and forums this object is called CDO or Class Default Object