You are correct that you cannot concatenate the claims in a built-in user flow in Microsoft Entra External ID. There isn't an easy way to configure defaults for some attributes since different customers will want different experiences. You can request this feature in the UserVoice. I have also created an internal design change request to pass this feedback to the engineering team since this has also been requested in the past.
You would need to either force the users to explicitly provide the value or add some custom code that updates these attributes.
This can also be done using custom policies in B2C.
<ClaimsTransformation Id="CreateDisplayNameFromFirstNameAndLastName" TransformationMethod="FormatStringMultipleClaims">
<InputClaims>
<InputClaim ClaimTypeReferenceId="givenName" TransformationClaimType="inputClaim1" />
<InputClaim ClaimTypeReferenceId="surName" TransformationClaimType="inputClaim2" />
</InputClaims>
<InputParameters>
<InputParameter Id="stringFormat" DataType="string" Value="{0} {1}" />
</InputParameters>
<OutputClaims>
<OutputClaim ClaimTypeReferenceId="displayName" TransformationClaimType="outputClaim" />
</OutputClaims>
</ClaimsTransformation >
If you leave a request in feedback.azure, the engineering team will also be able to reply to you directly and if you share the details I can add those to the internal request as well. https://feedback.azure.com/