Hi Wade,
Thanks for your response.
You can choose directly between Teams and Zoom while creating the event, as I mentioned previously.

The setting in Settings is only used to determine which app will be selected by default whenever you create a new event. However, while creating the event, you can still switch between Teams and Zoom without having to use the app that has been set as the default.
If you have any questions or need further assistance, please feel free to share them in the comments on this post so I can continue to support you.
I look forward to continuing the conversation.