WP creates a current month one even before you have a chance to decline this feature in settings.
So the suggestion is to have this unmarked by deafult.
Catalogue media to date folders is dinosaur solution i always turn off. If I’d like to catalogue media according to some key - that wouldn’t be date of publish.
In future could make some tools to create custom structure of catalogue with manual adding image to specific folders. That coul'd be more useful.