Although you are right that converting formats is simple, it was an unexpected occurrence as a user. And, furthermore, I saved it on my iPhone and am still seeing the generic.HEIC image on my Evernote for Mac. I think it constitutes bad user UX on the part of Evernote. I can see the image in the actual note, it's just the thumbnail that displays incorrectly. It should be an easy fix and update for Evernote.