To add to what everyone’s saying since it hasn’t been mentioned (as far as I’ve seen): You can probably disable TPM 2.0 in your BIOS once you re-install Windows 10 so Windows Update will think your PC is incompatible with Windows 11.

I dunno what the security implications are but it’s been working really well for me so far.

I love how it’s the people who know the most about how modern tech works that want nothing to do with 90% of it.