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Hello,
Default Cover Photo settings will allow the admin to set by default cover photo if the member has not added the cover photo. So, it will not stop allows to change cover photo but you can remove the access using the custom CSS as shown below:
.armCoverUploadBtnContainer {display:none !important;}
Kindly add the provided Custom CSS to the Admin panel -> Appearance -> Customize -> Additional CSS.
Please check accordingly and let me know how it goes.
Thanks