Not being a techie, I can only say it is an idiosyncrasy of zfs, which I believe originated with Solaris.
Since it is a fresh install, perhaps replacing ubuntu 20.10 with one I discovered runs better on my older machines --
enchantmentos at Sourceforge. At install, the 'Experimental' option of using zfs is available. I am using it and ran into the same question when saving files to an external HDD.
I like ZFS. Therefore, I suggest enchantmentos. It's a modded xubuntu 20.04