This is still being looked on as it's a new feature and overall feedback is required, we don't want to have added confusion by people wondering why their accessories wont work at all. Users sadly still mix this up even with the older accessories toggle we have. Currently it's set to On but either Charging-only when locked or Charging-only except BFU would be a default in the future.
Charging-only with BFU exception and Charging-only have almost the same benefit since the BFU device is still entirely encrypted. Although, charging-only would definitely be the way for someone who doesn't use any accessories at all. Stricter modes like Off are for people who consider any situations with access to the phone's USB port when powered (like a seizure risk) as an unacceptable threat.
Charging only when locked with BFU exception and charging-only when locked*
What a tongue twist.
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