In my present version of Inkscape (Inkscape 1.2.2 (1:1.2.2+202212051552+b0a8486541), on Ubuntu 22.04) there seems to be a new "feature": if I draw a line (Draw Bezier curves and straight lines), its fill and stroke are somehow carried over to any text that I create after that, and vice versa. So after drawing a solid line, with black stroke and no fill, text will get black stroke and no fill, while after creating text with black fill and no stroke, I'm getting invisible lines (no stroke), which I then need to correct manually.

Is there a way to uncouple these settings, and have separate defaults for lines and text?

Double-click the tool´s icons to get to its properties. You have probably "Last used style" enabled - change it to "Take from selection".

Brilliant, that worked! Never knew that tools had properties like that, thanks!

@Polygon

The problem though is that it doesn't remember previous settings. I'll change it several times and it steadfastly refuses to remember either what I just did or what I last left it with in my previous session. Its behavior is inconsistent. 

@Cindy you need to save as a new default template.

Oh wow! Thank you @Polygon! I never realized that.