Comment by smileybarry

Not anymore, modern hardware running Windows 11 Home now also has FDE, technically running on BitLocker, just that it's called "Device Encryption" and doesn't have the same options:

https://support.microsoft.com/en-us/windows/device-encryptio...

> For reference, I did accidentally login into my Microsoft account once on my local account (registered in the online accounts panel)

Those don't usually count as the "primary" MS account and don't convert a local account. For example, you can have a multiple of those, and generally they're useful to save repeated signins or installing stuff from the Microsoft Store that require a personal account.