Again: preferring a default is not a reason to take away an important choice.

I can see the argument for bitlocker for laptops, due to easier theft, but for desktops the tradeoff against being able to swap disks is one to consider.

(I'm in an odd position: I tried to avoid using my Microsoft account for a new PC, gave up and logged in, then it decided the account was somehow unsuitable and gave me the local account I wanted anyway.)