twerppoet
iPad Fan
It’s unlikely to be Apple’s policy. If it was, they would not show the option in the first place. Of coures, the bug could be that the they ‘are’ showing the opton. 
Fourtunately the default account doesn’t affect much. It only applies when you add a note using Siri, or some other method that does not let you pick the note’s destination. Otherwise you’ll be able to save the note anywhere you like. Since Notes’ folder selection is sticky (stays the same until you change it) this shouldn’t be a problem.
I’ve mentioned ths before, but make sure you understand that notes you store locally are not retrivable online. If the iPad dies, the only way to get the notes back will be to restore the iPad’s backup to another iPad running iOS 11 or later.
So, make sure you are doing your backups.
That, or spring for some extra iCloud storage (about $1 a month) and use iCloud Drive.
Good luck.

Fourtunately the default account doesn’t affect much. It only applies when you add a note using Siri, or some other method that does not let you pick the note’s destination. Otherwise you’ll be able to save the note anywhere you like. Since Notes’ folder selection is sticky (stays the same until you change it) this shouldn’t be a problem.
I’ve mentioned ths before, but make sure you understand that notes you store locally are not retrivable online. If the iPad dies, the only way to get the notes back will be to restore the iPad’s backup to another iPad running iOS 11 or later.
So, make sure you are doing your backups.
That, or spring for some extra iCloud storage (about $1 a month) and use iCloud Drive.
Good luck.