I'm not being "squirmy". You're playing a semantic game with the word "disk". The technical issue with FDE is that it works at the level of blocks, and so lacks information about message boundaries or the storage flexibility needed to (a) randomize the encryption and (b) store authenticators. Encrypt a physical disk, encrypt a file that pretends to be a mountable volume,
same issues.
I get that not everyone understands the technical issues in designing storage encryption, but don't take that out on me.