If you open your preferences, choose the IPTC/XMP tab and customise it how you feel you want it.
For reference I have attached mine. I too embed everything into the raw files, but in the occasion I use e.g., Lightroom or Camera Raw, my preferences take care of that too.
For more information you can also have a look at the manual for version 4.6.x; there haven't been any big changes to the IPTC/XMP preferences in PM5.0
Hope this helps,
Hayo
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