Windows 11, version 24H2: What’s new for IT pros

"Additionally, Recall will be off by default for all commercial[7] devices. You will need to allow Recall via policy before users will be able to opt-in.

...

"[7] Commercial devices are defined as devices running an Enterprise or Education SKU, devices running a premium SKU that are managed by an IT administrator (whether via Microsoft Intune or other endpoint management solution), devices that have a volume license key, or devices that are joined to a domain."

So absolutely massive amounts of home users (Win11 Home) and prosumers (Win11 Pro, non-AADJ / HAADJ) are going to have Recall turned on with default opt-in and probably never turn it off because it's not clearly stated in the OOBE / post-update settings screens. Fan-frickin'-tastic.

And people wonder why Enterprise is pirated left and right - it's the only SKU that lets you turn this BS off without jumping through hoops.