I moved this to ePO where hopefully you'll have better luck.
I altered your header to hopefully attract more attention.
i don't think to update all why because if you are using patch 7 and latest dat the ransomware and cryptolocker are also updated in latest dat for some safe we are using that
I know this post is a few months old but I have the same question. In my case I've kept the rules in place, i'd rather be safe than sorry.
I've got a spreadsheet with all the rules/settings listed for the various policies, this helps keep track and also highlights any overlap in the rules.