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The Distribution of Users’ Computer Skills: Worse Than You Think (2016)
(www.nngroup.com)
This is a most excellent place for technology news and articles.
This sounds highly like an Apple FS issue.
Don't experience it nearly as much on my Android (Pixel 7).
Still salty about the google file explorer.
Apple has a default share option of “Save to Files” where you can navigate where you want it saved. The default location is definitely application specific though.