10-ssl ssl = no but dovecot still reads certs

[lists at lazygranch.com]

I'm bringing up a new email server starting without TLS initially. In
10-ssl.conf I set ssl = no, but the default ssl_cert and ssl_key
lines are not commented out. I got the obvious error message:
------------------------------
doveconf: Fatal: Error in configuration
file /usr/local/etc/dovecot/conf.d/10-ssl.conf line 12: ssl_cert: Can't
open file /etc/ssl/certs/dovecot.pem: No such file or
directory /usr/local/etc/rc.d/dovecot: WARNING: failed to start dovecot
--------------------------

No big deal, but I don't remember this being an issue the last time I
set up a server. You would think if ssl=no, the ssl_cert and ssl_key
files would not be opened.