"I wonder if doing that might cure some of the other extremely annoying format problems that occur when entering a note/story from scratch?"
As you are doubtless aware, that would be a work-around, not a "cure".
A "cure" could and would be effected if and when ACOM would elect to join the rest of us in the 21st Century by incorporating even the most basic word processing technology into their platform. Right now, their word processing platform is grotesque...and EMBARRASSINGLY so.
Tell ya what ACOM. Deep-six your preposterously unneeded attachment beta and let your programming resources give us some basic word processing capability.