... All with no adjustment at all. ...
Finished negatives always require some adjustment to become nice positives. This includes setting print exposure and contrast adjustments. It is actually very rare to have a perfect positive pop automatically. That is true of both digital and analog methods.
To judge film and adjust development one must be using an objective print/output standard. In the zone system, for example, that's typically grade 2 paper.
You are using a scanner and that scanner uses a certain set of defaults, that's ok, but not necessarily as fixed as grade 2 paper.
Choosing default settings on your scanner (choosing no adjustment on your part) is simply relying on choices somebody else made. (Truly raw linear unadjusted scans are always ugly.)
You can test differing development regimes against your scanner and see what works best for you, just like others might test theirs against grade 2 paper. You do need to understand though that your best development may be considerably different than the people here that are using enlargers and it may be a bit of a moving target.
You should also, IMO, do simple things like adjust print exposure (analog or digital) first before judging film development. Most of my "contrast problems" have been "fixed" by print exposure changes alone.