RaZberry 7 hat, Bluetooth, HA Yellow

Basic question: Does bluetooth really need to be disabled for the RaZberry hat to work with Home Assistant Yellow?

The official docs say that it does: Z-Wave Controllers - Home Assistant

However, setting dtoverlay=miniuart-bt should move the internal bluetooth off the header pins and allow Razberry 7 or Aeotech Z-Pi 7 to work while keeping bluetooth enabled - correct?

I have even read that Yellow has dtoverlay=miniuart-bt enabled by default. If this is the case, then these z-wave daughter cards should work without any changes to config.txt.

Am I misunderstanding something or are the HA docs incorrect about needing dtoverlay=disable-bt ?

Thanks