Indeed, I have the same thing if I use the Photos app from Microsoft. This seems to be a problem from Photos, which bypass the fact that the overlay should always be the topmost window. Do you experience this with other applications ?
Even using the Always on top PowerToys from Microsoft didn't solve this.
For now, the best fix I see is to install and use the Legacy Photos from Microsoft which doesn't have this problem and mostly looks the same. XnView is also a very good image viewer.