What I did was name the "password" entry as the name of the note (it doesn't seem to require a URL for the "password" entry. so I treated it like the title of the note.
if the note relates to something like a server, cert, GitHub repository or whatever I put in the account name and same for password.
now as this is a note not an actual account I could put anything in the account name and password just to get past the internal verifications of actually having an entry. but it's all bogus.
Then in the actual notes field I put my note sort of similar in a way to how you could create a secure note in keychain previously.
and I know for a fact this note will be always encrypted in transit and will be available to my phone and tablet.
and yes it could have been a bit clearer as to how to do all of this rather than simply say oh there is a new app and we moved a bunch of stuff to the new app and removed it from the old app; but we're keeping parts of the old app around just to create even more confusion.