Global configuration in after directory possible?

A lot of ftplugin files turn comment-wrapping on with a
command like this:

set formatoptions+=c

I want to globally disable it. Is there an easy way to do
this? I know I can disable it for particular filetypes by
creating files in vimfiles\after\ftplugin\ specifying "set
formatoptions-=c" but there are a lot of them.

Two methods I've found from searching are

. Maintain a single file and use symbolic links to make vim
access it for each filetype. A bit clumsy - new filetypes
might appear later, I want to maintain real
filetype-specific files as well, etc.

. Use autocmd events to set this. This works in many cases
but different edge cases are missed by different events so
I'm not sure which events to use. Also it seems to be
"fighting vim" - trying to keep checking in case vim has
changed the setting and change it back. I'd like it to just
work, reliably.

Is there a simpler method?

regards,
Geoff

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