This answer was helpful to me. I'm documenting processes where the URL's are just examples and making them attachments just obscures them.

OTOH, I often find it valuable to have an URL be "navigable". It looks like turning off this option leaves me no means by which I can create an URL attachment (navigable URL).

I'd like to be able to do both -- I'd like to type/paste literal text that might happen to look like an URL. I'd also like to be able to type/paste an URL and make it navigable. Can I do both?