It’s the data of what corners MS can cut to save more money than they lose when x number of users decide enough is enough.

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It’s easy-- if you install on a single drive. If you want home on a separate drive, encryption is not so easy, and you have to learn about cryptsetup, crypttab, etc. Quite a steep learning curve compared to the installer. I do hope distros provide better coverage of this in the future. Having home on a separate drive and encrypted is just good practice.