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after 4 years of Linux I'm still lost..
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I'm not sure hardware-based full disk encryption counts as a "highly specialized requirement". It's enabled by default on Android, iOS, Mac and even Windows usually. It's a basic requirement for businesses.
citation needed
It requires you to sign into a Microsoft account (which I assume most non-nerds do, given how hard they make it to avoid) and have hardware that supports it... But yes Windows enables full disk encryption by default now.
https://www.tomshardware.com/software/windows/windows-11-24h2-will-enable-bitlocker-encryption-for-everyone-happens-on-both-clean-installs-and-reinstalls
https://support.microsoft.com/en-gb/windows/device-encryption-in-windows-cf7e2b6f-3e70-4882-9532-18633605b7df