assume default values if xdg dirs not set

.config/ncmpcpp/config

@@ -1,16 +1,11 @@
-##############################################################################
-## This is the example configuration file. Copy it to $HOME/.ncmpcpp/config ##
-## or $XDG_CONFIG_HOME/ncmpcpp/config and set up your preferences.          ##
-##############################################################################
-#
-ncmpcpp_directory = $XDG_CONFIG_HOME/ncmpcpp
+ncmpcpp_directory = ${XDG_CONFIG_HOME:$HOME/.config}/ncmpcpp
 #
 ##
 ## Directory for storing downloaded lyrics. It defaults to ~/.lyrics since other
 ## MPD clients (eg. ncmpc) also use that location.
 ##
 #
-lyrics_directory = $XDG_DATA_HOME/lyrics
+lyrics_directory = ${XDG_DATA_HOME:$HOME/.local/share}/lyrics
 #
 ##### connection settings #####
 #