I maintain one baremetal Windows install that gets fairly regular use. It's on a major OEM business class workstation with a legit Windows 10 pro license.
Recently, I had to wipe and reset and goddamn do they try and trick you into choosing all the worst spyware settings AND even if you successfully duck and weave past them, they'll just cheat and enable them, or reinstall shit like co-pilot during an update.
They just made me sign into that shitty M365 app to install a legit subscription of Office, and on the next reboot, it converted the local user account into an online user account.
Make no mistake, Recall is going to be enabled by hook, or by crook, for the vast majority of Windows 11 users in due time. No matter how many times they disable it, or opt out.