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She is styled the Queen Consort. She is not a queen.

>>bregma+(OP)
I know it's getting into technicalities, but "consort" modifies "queen", like "pro" modifies "airpods". The opposite is a queen regnant. Both are queens.

So while you're right that she is styled Her Majesty the Queen Consort, she is the same kind of queen that Queen Charlotte was. I think you're right that people are avoiding the phrase "Queen Camilla" at the moment but I think it will come into use.

(But she is definitely not the sovereign.)