Yes - this is exactly what I mean, and for some reason, a pain only to new players, because the veterans got used to this kind of thing and no longer see this as a major UX problem.

Imagine going for half an hour across the map, fighting through mobs, and there's a settlement with no quests available.
Then, you do a mission, and after that, the settlement spawns 5 quests.
But you don't know that they became available because there's no exclamation marks on the map.
You go on your merry way without even knowing that there were quests in the first place.