Thanks, tts, for chiming in, trying to help. That page you referenced has very simple directions for people using iOS 11 or above (I'm in that category):
iOS 11 or later
Removing an unwanted backup encryption setting has become easier under iOS 11 and later versions. See Turn off backup encryption for details. Your device needs to be working and able to backup to iCloud, or you need to be prepared to reset all settings on the device.
That "turn off backup encryption link" is actually the same linked I originally referenced, https://support.apple.com/en-us/HT205220. The instructions there do not work. Here is what that page says...
If you can’t remember the password for your encrypted backup
You can’t restore an encrypted backup without its
password. With iOS 11 or later or iPadOS, you can make a new encrypted
backup of your device by resetting the password.
- On your device, go to Settings > General > Transfer or Reset [Device] > Reset.
- Tap Reset Network Settings and enter your device passcode.
- Follow the steps to reset your settings. This won't affect your user data or passwords, but it will reset settings like display brightness, Home Screen layout, and wallpaper. It also removes your encrypted backup password.
- Connect your device to the Finder or iTunes again and create a new encrypted backup using the steps above.
You won't be able to use previous encrypted backups, but you can use
the Finder or iTunes to back up your current data and set a new backup
password.
The problem is the bolded portion of Step 3. After performing the steps up to that point, the encrypted backup password is NOT removed. Connecting the device again via USB, opening iTunes, and navigating to the backup interface, the checkbox "Encrypt local backup" remains checked. Sure, I can create new backups, encrypted with some password I don't know, but I cannot restore those backups. I can also not uncheck the box, because clicking on that prompts me for the current password. I also cannot use the "Change Password" button, because that also prompts me for the existing password.
These instructions do not work.
Encrypting a backup stored on a computer, using a password stored on the device being backed up -- which of course is not working in the case of needing to restore said backup to a new device -- makes no sense to me. That said, if that password is going to be stored on the device, assuming in the iCloud keychain, then there should be an interface to change that password on the device itself, if not "see" it like all the other iCloud keychain passwords. In absence of that, the iTunes interface should allow for setting a new password for new backups. The existing instructions imply that's the case in between Steps 3 and 4, but the instructions don't work.