Silly me for believing NASA.
Saturated pixels are not necessarily "invalid" the way cosmic ray bit flips and stuck pixels are, but setting them to zero does make the other bright but not saturated pixels much easier to identify.
Though the actual value in the data isn't black (0,0,0), it'll be some obviously special value that won't otherwise happen, because black is a valid value.
>The 23.0 µm coronagraph of MIRI uses a classic Lyot mask to achieve high contrast imaging near bright sources. The mask is rather large, providing an inner working angle (IWA) of ∼ 3.3λ/D, i.e., ∼ 2. Our data is the first complete reference PSF subtracted set of observations taken with JWST using this mode.
There's some residual light and diffraction effects around the Lyot mask which they have manually deleted.
https://blogs.nasa.gov/webb/2023/03/24/how-webbs-coronagraph...