Uh not sure depends if 'reset to factory settings'/clr cmos switches tpm 2.0 off again or if it's off by default. Don't really know what happened there or whether it's on or off by default.
So is it off now? Try switch it off first and reboot and well I'm not sure if a windows setup usb has the option to keep all programs and files in your user profile so that's another world of pain might be best to clone your disk to another one before reinstalling windows so you can rummage through and retrieve any data afterwards.
Some people already have a backup strategy in place. If you have a spare disk you could use
disk genius to copy your data partition. That's a bootable usb drive app but you still need a working pc and yet another spare usb flash drive to create the bootable usb from. Well I have half a dozen usbs for different things. Should take my own advice and buy another hard drive or two still have 2 or 3 sata ports.
Generally it's a good idea to have several things pre-prepared which is bootable windows setup, bootable partition manager, and a backup strategy like saving your data to another drive so it isn't all stored in your user profile and deleted when windows 10 is setup again.
Though windows setup creates a windows.old directory if you don't wipe the partition and may leave some data intact depends where it's stored. Stuff in your user profile /my docs etc. not sure what happens to it if you try to reinstall windows. It's in the user profile folder and I think it may just float in 'users'.
I think you have to run setup from within windows to keep all your apps installed rather than off a bootable usb. Last time I fought with windows 10 I couldn't find the 'keep all your apps' option on the usb anyway.
So it looks like you could be stuck down a dead end there if you don't have a spare disk to copy the old windows to. Getting to a point where a windows reinstall doesn't upset anything is a bit of a skill that needs lots of preparation. For me it's just having the steam client setup and other setup programs I use on another disk along with docs and emls and just remembering passwords for logins. About 1.5tb of storage is all steam games so I don't have to redownload all the time.
So I don't do anything fancy or automated or networked like roaming user profiles where the user profile is stored remotely or anything.
Well it just looks like switching on tpm 2.0 corrupted your windows install and unless anyone has any better ideas I'd just blat the partition and reinstall windows with tpm 2.0 enabled. Windows 10 I've noticed can be sensitive to low level bios or hardware changes and barf sometimes. Occasionally got things like that when overclocking and turning it off.
If there is a way to possibly retrieve any data you want it's probably to clone the data partition to another drive with disk genius.. before you re-run windows setup.
Hum well just running windows setup without deleting the partition isn't really a 'clean install'.