Apple Notes...if you use a Mac, solves this problem. The desktop application doesn't generate URLs from my curl commands using APIs with hyperlinks and email addresses in them. You can also just use a simple dropdown to change to a monospaced font to mix up CLI commands and text. You can paste images too.
I tried a few different ones and none did the following, except Apple Notes:
monospaced font quick to set
don't automatically generate hyperlinks
paste images inline
doesn't retain formatting pasted from other sources, eg webpages, word document, no silly special formatting like Jira uses
Steve Jobs used to talk about how his company originally made products that they, themselves, would use...classic example right here. I bet this came from an internal frustration with note taking software.
Apple notes is also incredibly fast...something Evernote never has been on either desktop or mobile app versions. It's just gotten too complex. This hyperlink thing has driven me nuts for years.
The web version of Apple Notes accessed through iCloud does automatically generate hyperlinks, but that might be the browser, not the web application.
Enjoy.