[aiharkness]

Okay. I guessed that was the case, but needed to be sure.

I composed an email and tapped the format icon at the bottom of the screen. That opened the formatting bar at the top of the email body. But I don't get the gray overlay that you describe, and I don't see a way to reproduce what you see.

An idea... When you have the situation you describe, can you tap the more icon at the bottom right and convert to plain text instead of HTML, and does that get you out of the gray overlay?

Another thought, does this happen when you reply, when you forward, when you compose from scratch? Is there any pattern?