It really depends. For Moho exports for compositing elsewhere, I usually render Layer comps, and the default premultiplied setting seems to work fine...more specifically, I don't see matte lines in my Ae comps. But normally, I think you're right, that straight alpha may be preferable for compositing...but it may depend on the program you're compositing in or what you're compositing against.
Matte lines are the usual giveaway. If you see them, try another setting. Also, I think if you have soft or transparent edges (like fire,) you probably want straight alpha, not premultiplied. (Note: I might have that backwards...I never seem to remember.)
In any case, you can set/change Moho's export defaults to use what you want...
1. Open Export Animation or Moho Exporter
2. Click on Choose A Configuration To Apply and select Edit Configuration
3. Under Configuration choose Make Configuration
4. Name the new configuration (maybe something like PNG No Premult)
5. Click Ok.
Now you can choose the setting with your preferred options from the Choose menu.
If you want to
always use the same configuration by default, select the configuration you want and then click Save As Default.