No, the structure you found is how Java handles it (that is, with overloading instead of default parameters).

For constructors, See Effective Java: Programming Language Guide's Item 1 tip (Consider static factory methods instead of constructors) if the overloading is getting complicated. For other methods, renaming some cases or using a parameter object can help. This is when you have enough complexity that differentiating is difficult. A definite case is where you have to differentiate using the order of parameters, not just number and type.

There are actually many good reasons to consider using accessors rather than directly exposing fields of a class - beyond just the argument of encapsulation and making future changes easier.

Here are the some of the reasons I am aware of:

• Encapsulation of behavior associated with getting or setting the property - this allows additional functionality (like validation) to be added more easily later.
• Hiding the internal representation of the property while exposing a property using an alternative representation.
• Insulating your public interface from change - allowing the public interface to remain constant while the implementation changes without affecting existing consumers.
• Controlling the lifetime and memory management (disposal) semantics of the property - particularly important in non-managed memory environments (like C++ or Objective-C).
• Providing a debugging interception point for when a property changes at runtime - debugging when and where a property changed to a particular value can be quite difficult without this in some languages.
• Improved interoperability with libraries that are designed to operate against property getter/setters - Mocking, Serialization, and WPF come to mind.
• Allowing inheritors to change the semantics of how the property behaves and is exposed by overriding the getter/setter methods.
• Allowing the getter/setter to be passed around as lambda expressions rather than values.
• Getters and setters can allow different access levels - for example the get may be public, but the set could be protected.