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Two things:

First, if you create a second keyring, one not named login.keyring, it will not be automatically unlocked on login.

Second, GNOME has a policy that they don't let users configure things that the developers don't want them to configure, so you probably cannot change the default checkbox setting at all without maintaining your own version of the process that presents the unlock keyring. 

Luckily: this is the Debian version, and it has active maintainers. You can file a bug against pinentry (presumably pinentry-gtk) and ask for this checkbox to be unchecked by default.