diff --git a/frontend/components/SettingsDialog.vue b/frontend/components/SettingsDialog.vue
index 47d76e9e..bc2bd467 100644
--- a/frontend/components/SettingsDialog.vue
+++ b/frontend/components/SettingsDialog.vue
@@ -781,7 +781,7 @@ const desktopVersionText = computed(() => {
   return v || '—'
 })
 
-const desktopDefaultToChatWhenData = ref(false)
+const desktopDefaultToChatWhenData = ref(true)
 
 const cdnImageEnabled = ref(false)
 const cdnImageLoading = ref(false)
@@ -2196,7 +2196,7 @@ onMounted(async () => {
     }
   }
 
-  desktopDefaultToChatWhenData.value = readLocalBoolSetting(DESKTOP_SETTING_DEFAULT_TO_CHAT_KEY, false)
+  desktopDefaultToChatWhenData.value = readLocalBoolSetting(DESKTOP_SETTING_DEFAULT_TO_CHAT_KEY, true)
   snsUseCache.value = readLocalBoolSetting(SNS_SETTING_USE_CACHE_KEY, true)
   void loadCdnImageStatus()
 
diff --git a/frontend/pages/index.vue b/frontend/pages/index.vue
index bc16ea6a..95963947 100644
--- a/frontend/pages/index.vue
+++ b/frontend/pages/index.vue
@@ -141,22 +141,26 @@ import { DESKTOP_SETTING_DEFAULT_TO_CHAT_KEY, readLocalBoolSetting } from '~/lib
 import { isFirstUseAgreementAccepted } from '~/lib/first-use-agreement'
 
 const { listChatAccounts } = useApi()
+const router = useRouter()
 const exportDialogOpen = ref(false)
 
 onMounted(async () => {
   if (!process.client || typeof window === 'undefined') return
   if (!isFirstUseAgreementAccepted()) return
 
-  const enabled = readLocalBoolSetting(DESKTOP_SETTING_DEFAULT_TO_CHAT_KEY, false)
+  const enabled = readLocalBoolSetting(DESKTOP_SETTING_DEFAULT_TO_CHAT_KEY, true)
   if (!enabled) return
 
   try {
     const resp = await listChatAccounts()
     const accounts = resp?.accounts || []
     if (accounts.length) {
-      await navigateTo('/chat', { replace: true })
+      // 提前获取路由实例，避免等待账号请求后丢失 Nuxt 上下文。
+      await router.replace('/chat')
     }
-  } catch {}
+  } catch (error) {
+    console.warn('启动时自动进入聊天页失败：', error)
+  }
 })
 
 const openExportDialog = () => {
diff --git a/frontend/tests/startup-navigation.test.mjs b/frontend/tests/startup-navigation.test.mjs
new file mode 100644
index 00000000..3f748616
--- /dev/null
+++ b/frontend/tests/startup-navigation.test.mjs
@@ -0,0 +1,59 @@
+import assert from 'node:assert/strict'
+import { readFileSync } from 'node:fs'
+import test from 'node:test'
+import vm from 'node:vm'
+import { parse } from '@vue/compiler-sfc'
+
+const source = readFileSync(new URL('../pages/index.vue', import.meta.url), 'utf8')
+const script = parse(source).descriptor.scriptSetup.content.replace(/^import .*$/gm, '')
+const settings = readFileSync(new URL('../lib/desktop-settings.js', import.meta.url), 'utf8')
+  .replace(/^export /gm, '')
+
+const runStartup = async ({ stored = null, accounts = ['ready-account'], accepted = true, fails = false } = {}) => {
+  let mounted
+  let contextAvailable = true
+  const paths = []
+  const warnings = []
+  const router = { replace: async path => paths.push(path) }
+  const getRouter = () => {
+    if (!contextAvailable) throw new Error('Nuxt 上下文不可用')
+    return router
+  }
+  vm.runInNewContext(`${settings}\n${script}`, {
+    process: { client: true }, window: {},
+    localStorage: { getItem: () => stored },
+    ref: value => ({ value }),
+    onMounted: callback => { mounted = callback },
+    useRouter: getRouter,
+    navigateTo: path => getRouter().replace(path),
+    isFirstUseAgreementAccepted: () => accepted,
+    console: { warn: (...args) => warnings.push(args) },
+    useApi: () => ({ listChatAccounts: async () => {
+      await Promise.resolve()
+      // 模拟异步请求结束后，组合式函数不再能获取组件上下文。
+      contextAvailable = false
+      if (fails) throw new Error('账号服务暂时不可用')
+      return { accounts }
+    } }),
+  })
+  await mounted()
+  return { paths, warnings }
+}
+
+test('默认开启时，账号请求结束后仍能跳转到回看页', async () => {
+  const result = await runStartup()
+  assert.deepEqual(result.paths, ['/chat'])
+  assert.equal(result.warnings.length, 0)
+})
+
+test('手动关闭、没有账号或未同意协议时不自动跳转', async () => {
+  for (const options of [{ stored: 'false' }, { accounts: [] }, { accepted: false }]) {
+    assert.deepEqual((await runStartup(options)).paths, [])
+  }
+})
+
+test('账号请求失败时留在首页并记录原因', async () => {
+  const result = await runStartup({ fails: true })
+  assert.deepEqual(result.paths, [])
+  assert.equal(result.warnings.length, 1)
+})