On database writers, if the "feature operation" parameter is explicitly set to insert/update/delete then it should force that operation and ignore any value in the feature's fme_db_operation attribute.
Currently [FME 2021.1], if the (Oracle) writer feature operation is set to "insert" but a feature enters the writer with fme_db_operation set to "UPDATE", the writer issues a warning and the feature does not get inserted.
The log message issued by FME is:
|WARN |Oracle Non-Spatial: The fme_db_operation attribute value 'UPDATE' on feature conflicts with Feature Operation 'Insert'. Rejecting feature