A supplied NULL goes into that column; it does not ask for the default.
NULL is supplied
Insert NULL note
The insert has 1 explicit NULL and still fills 1 omitted default.
explicit NULLs=1
INSERT examples are tiny finite row appends; SQL dialect completeness, generated defaults, identity columns, constraints beyond visible NOT NULL, triggers, transactions, indexes, performance, and product behavior are out of scope.
Read note
The note result is NULL because note was supplied explicitly.
NULL visible
Summary
Explicit NULL and omitted column are different cases.