MaybeConfig

CommonConfig.java

public class CommonConfig {
    CommentedConfigurationNode addDefault(CommentedConfigurationNode node) {
        //default config options
        return node;
    }
}

// This could also be static to avoid creating instances. probably would be better.

ConfigManager.java

public class ConfigManager {
    public ConfigManager(Function<CommentedConfigurationNode, CommentedConfigurationNode> customOptions, File location) throws Exception { //dont throw this do it right
        if (!location.exists())
            location.createNewFile();

        ConfigurationLoader<CommentedConfigurationNode> conf = HoconConfigurationLoader.builder().setFile(location).build();
        CommentedConfigurationNode node = conf.load();

        node = customOptions.apply(node);

        // save node to file
    }
}

Plugin.java

    public void IAmAPlugin() throws Exception {
        String fileLoc = "C:/some/file.file";
        ConfigManager conf = new ConfigManager(new File(fileLoc), (node) -> {
            node = new CommonConfig().addDefault(node);
            node.AddSomeValueOrABunch();
            return node;
        });
        
        conf.getValueOrWhatnot();
    }