"Can't be used as the startup disk" is not necessarily a strong limitation; with FileVault enabled, you start up from your Recovery partition anyway. Even if they lose FileVault, I would guess they'll keep the Recovery partition setup (since they've invested in it a bit as a pseudo-BIOS, for changing things like SIP.) So that image can stay HFS and hold your boot kernel, while "Macintosh HD" can just be APFS. Sort of like Linux with /boot on FAT32 and / in LVM.
Linux /boot tends to be on ext3 or ext4 on most distributions. Recently it's XFS on the server flavor of Fedora, CentOS, and RHEL. For openSUSE the default is Btrfs, /boot is just a directory.
The bootloader/bootmanager is what determines what fs choices you have for /boot. GRUB2 reads anything, including ZFS, Btrfs, LUKS, even md/mdadm raid5/6 and even if it's degraded, and conventional LVM (not thinp stuff or the md raid support).