this has been discussed in much detail over at https://forum.inaturalist.org/t/change-wording-used-by-the-system-when-downgrading-an-observation-to-an-higher-level-taxa/3862 and other threads.
i think the best practice is that if you’re going to disagree like this, just explain why so that a discussion can be had, as necessary.
personally, i tend to just leave a comment and id at whatever i think is the appropriate level without an explicit disagreement – especially if the observer is the identifier, and as long as the ID is not something very unusual. the way i look at it, it’ll take at least 2 folks for research grade. so if a second person wants to ID to species, then so be it.
i think the greater good here usually is that the observer gets the benefit of the doubt.