When I tested extensively in 2022 the behaviour was inconsistent. In some cases default route’s target scope needed to be 10 to find the gateway (scope 10), in other cases it needed to be 11. And some other inconsistencies. Hence trial and error to find the rule actually in effect for any specific configuration.
http://forum.mikrotik.com/t/recursive-routes-in-ros-7-x/154802/1
And ..
http://forum.mikrotik.com/t/dual-wan-recursive-failover-rosv7/154949/29