Hi Jacob!
Back then you'd have a text file with all the FTP sites, telnet sites, Muds or even BBSs)
Often you'd download them off a USENET newsgroup. Then you'd use a command line..
Not easy for a casual user.
So yes, you'd get a default server often set by the organization that brought you online.
You could enter a hostname/port combination, not quite as elegant as a URL. (See
the default and navigating to a new server)
All early Gopher clients had bookmarks so you could easily keep track. In fact some gopher
clients would default to your bookmarks on startup.