I'm as confused as an flying elephant that's glued to the ground.
I'm confused. Whenever I've booked a flight with Ryanair, there is no automatic "opt-in" for the baggage - after the flights are selected, the site presents a page where you enter passenger information and select the number of hold bags and the price. The default is no hold bags, at a cost of £0.00, and the insurance similarly has to be added on that page.
It's Easyjet who have a default opt-in for a hold bag and insurance (although this has varied in my experience).